SIP Calculator
Compute the future value of a monthly SIP or one-time lumpsum mutual fund investment. Year-by-year breakdown.
Investment
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Maturity value
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Investment summary
Returns
Year-by-year breakdown
Frequently asked questions
How is SIP maturity calculated?
FV = P × [((1+r)n − 1) / r] × (1+r)
- P — monthly SIP amount
- r — monthly rate (annual rate ÷ 12 ÷ 100)
- n — total months
Treats SIP as annuity-due (deposit at start of each month). Example: ₹10,000/mo at 12% pa for 10 years (120 months): FV ≈ ₹23.2 lakh; invested ₹12L, gain ₹11.2L.
What return rate should I use?
Indian equity MF 10-year CAGR has historically been 11-13% pa. Conservative planning: 10-11%. Aggressive: 13-14%. The calculator defaults to 12% — representative of large-cap and flexicap funds.
Always remember: past returns don't guarantee future returns. Run a few scenarios (best/expected/worst) for any major financial decision.
Lumpsum or SIP — which is better?
Lumpsum earns more if markets only rise — your full corpus compounds from day 1. SIP wins in volatile or sideways markets via rupee-cost averaging (you buy more units when NAV is low).
For most retail investors, SIP is psychologically easier (forced discipline, no market timing). For windfall amounts (bonus, sale proceeds), lumpsum — or a hybrid: lumpsum into liquid fund, then STP into equity over 6-12 months.
Are SIP returns taxable?
Yes. For equity-oriented funds:
- Held > 12 months: LTCG at 12.5% above ₹1,25,000 annual exemption (Sec 112A, post-Budget 2024).
- Held ≤ 12 months: STCG at 20% (Sec 111A).
For debt MFs purchased on or after 1 April 2023: all gains taxed at slab rate (no LTCG benefit). For pre-April-2023 debt MFs held > 36 months: 20% with indexation. Capital Gains Calculator →