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SIP & Mutual Fund Calculator

Simulate Systematic Investment Plans (SIP) and lumpsum mutual fund yields with step-up options.

100% client-side. Nothing you type is uploaded or stored on a server.

₹5,000 a month feels small; ₹5,000 a month for 20 years at 12% is ₹49.96 lakh, of which only ₹12 lakh was your money. That is the whole argument for a Systematic Investment Plan, and this calculator lets you see it with your own numbers: monthly SIP or a lumpsum, expected return, tenure, an annual step-up to match salary increases, and inflation-adjusted value so the figure is honest. It also runs the reverse question — what monthly SIP reaches a target — and compares SIP with lumpsum for the same total outlay.

The maths

Future value of a SIP = A × ((1 + r)ⁿ − 1) ÷ r × (1 + r), where A is the monthly amount, r the monthly return, n the months (assuming investment at the start of each month). For a lumpsum, FV = P × (1 + R)ᵗ. A step-up SIP raises A by a fixed percentage each year — a 10% annual step-up on ₹5,000 for 20 years at 12% ends near ₹1 crore instead of ₹50 lakh. The three variables that decide the outcome — amount, time and return — are compared in SIP explained: how ₹5,000 a month becomes ₹50 lakh.

How to use the calculator

  1. Choose SIP, lumpsum or goal mode.
  2. Enter the monthly amount (or target corpus), the expected annual return and the tenure in years. 10–12% is a common assumption for diversified equity funds over long periods; 6–7% for debt.
  3. Add an annual step-up percentage if you plan to increase the SIP each year.
  4. Toggle inflation (say 5–6%) to see the corpus in today's rupees.
  5. Read the invested amount, the estimated returns, the final value and the year-by-year chart; download the schedule as CSV.

Returns, tax and the new regime

  • Equity funds: gains on units held over a year are long-term, taxed at 12.5% above ₹1.25 lakh a year; short-term gains at 20%.
  • Debt funds bought after April 2023 are taxed at slab rates regardless of holding period.
  • ELSS gives 80C deduction with a 3-year lock-in — but that deduction only helps under the old regime. If your tax is already nil under the new regime, choose funds on merit, not on 80C; the trade-off is worked through in ₹12 lakh tax-free: should you still invest in 80C? and the regime itself in the income tax calculator.
  • Every SIP instalment is a separate purchase with its own holding period; redeem older units first for the lower rate.

For business owners

A SIP is the simplest way to turn irregular business income into a retirement corpus that the business cannot eat. Use a business-cycle-aware amount (lower in lean months, step-up after the festive quarter), keep it in a personal account, and treat it like an EMI to yourself — the EMI calculator shows the mirror image of the same compounding. Compare the outcome with your EPF projection if you are salaried; both together are the plan.

Assumptions to be careful with

  • Returns are not linear; a 12% average includes years of −20% and +40%. Longer tenures smooth this.
  • Expense ratios and exit loads reduce returns; direct plans save 0.5–1% a year.
  • Step-up SIPs assume you will actually increase the amount; automate it.
  • Inflation of 5–6% halves purchasing power in about 12–14 years — look at the real value, not just the nominal one.

Frequently asked questions

What return should I assume for a SIP?

Long-run diversified equity funds in India have delivered roughly 11–14% annualised; using 10–12% is prudent. Debt funds return about 6–7.5%. The calculator lets you test a range.

What is a step-up SIP?

A SIP whose amount increases by a set percentage every year, typically matching salary growth. It dramatically raises the final corpus without a large starting commitment.

Is SIP better than lumpsum?

A lumpsum invested early outperforms in a rising market; a SIP reduces timing risk and suits monthly income. The comparison mode shows both for the same total investment.

Are SIP returns guaranteed?

No. They depend on the fund's performance. Only the maths is certain; the return input is an assumption.

How is SIP income taxed?

Equity fund gains held over 12 months are taxed at 12.5% beyond ₹1.25 lakh per year; shorter holdings at 20%. Debt fund gains are added to income and taxed at slab rates.