SIP Calculator
Estimate future wealth from your Systematic Investment Plans (Mutual Funds).
Monthly Investment (₹)
₹10000
per month
Expected Return Rate (p.a)
12%
*Nifty 50 Long Term Average: ~12-14%
Time Period
10 Years
Inflation Adjusted Value
Assumed Inflation:
6%
Real Value of Corpus:
₹0
*What this money will actually buy you in today’s prices.
Expected Total Value
₹0
Invested Amount
₹0
Wealth Gain
₹0
Power of Compounding: Your money multiplied by 1.0x times.
Note: Mutual Fund investments are subject to market risks. Past performance is not an indicator of future returns. This calculator estimates returns based on a fixed annual rate.
What is SIP?
A Systematic Investment Plan (SIP) allows you to invest small amounts periodically (usually monthly) into mutual funds. It is one of the most disciplined ways to build wealth over the long term.
Benefits of SIP
- Rupee Cost Averaging: You buy more units when the market is low and fewer when it is high, averaging out your cost.
- Compounding: Reinvested returns generate more returns. The longer you stay invested, the more powerful this becomes.
- Discipline: Automates your savings habit.
Taxation on SIP (FY 2025-26)
Effective from July 23, 2024 (Budget 2024), the taxation for Equity Mutual Funds has changed:
| Holding Period | Tax Type | Rate |
|---|---|---|
| Less than 1 Year | STCG (Short Term Capital Gains) | 20% |
| More than 1 Year | LTCG (Long Term Capital Gains) | 12.5% (Exempt up to ₹1.25 Lakh) |
Frequently Asked Questions
Is SIP better than Lump Sum?
In a volatile market, SIP is generally safer due to Rupee Cost Averaging. Lump Sum is beneficial when the market is at a low point and expected to rise continuously.
Can I stop my SIP anytime?
Yes, there are no penalties for stopping a SIP. However, exit loads may apply if you redeem the units within 1 year (usually 1%).