SIP Calculator — Calculate Monthly SIP Returns
Updated: 3 June 2026 | Equity & Debt Mutual Funds | SIP Return Estimator
A SIP (Systematic Investment Plan) calculator estimates the maturity value of your monthly mutual fund investments using compound interest. Enter your monthly SIP amount, expected annual return (CAGR), and investment tenure to instantly calculate total invested amount, estimated returns, and final corpus.
₹5,000
₹500₹2L
12%
4%30%
10 Years
1 yr40 yrs
Adjust sliders to estimate
SIP corpus at maturity.
Assumed: monthly compounding
SIP corpus at maturity.
Assumed: monthly compounding
Invested Amount
₹6.0L
Estimated Returns
₹5.6L
Total Value
₹11.6L
Invested
Returns
12% CAGR
Historical average for diversified equity mutual funds in India.
Use 8% for debt funds, 12% for large-cap equity, 14% for mid-cap. Past returns ≠ future returns.
Use 8% for debt funds, 12% for large-cap equity, 14% for mid-cap. Past returns ≠ future returns.
SIP Returns — Quick Reference Table
| Monthly SIP | 10 Years @ 12% | 15 Years @ 12% | 20 Years @ 12% | 25 Years @ 12% |
|---|---|---|---|---|
| ₹1,000 | ₹2.32L | ₹5.02L | ₹9.99L | ₹18.97L |
| ₹3,000 | ₹6.96L | ₹15.05L | ₹29.96L | ₹56.9L |
| ₹5,000 | ₹11.6L | ₹25.1L | ₹49.9L | ₹94.9L |
| ₹10,000 | ₹23.2L | ₹50.1L | ₹99.9L | ₹1.89Cr |
| ₹25,000 | ₹58.0L | ₹1.25Cr | ₹2.50Cr | ₹4.74Cr |
| ₹50,000 | ₹1.16Cr | ₹2.51Cr | ₹5.0Cr | ₹9.47Cr |
How Much SIP to Reach ₹1 Crore?
| Investment Period | At 10% CAGR | At 12% CAGR | At 15% CAGR |
|---|---|---|---|
| 10 years | ₹48,500/mo | ₹43,471/mo | ₹36,000/mo |
| 15 years | ₹22,000/mo | ₹18,000/mo | ₹13,000/mo |
| 20 years | ₹12,000/mo | ₹8,600/mo | ₹5,500/mo |
| 25 years | ₹7,200/mo | ₹4,700/mo | ₹2,700/mo |
| 30 years | ₹4,600/mo | ₹2,800/mo | ₹1,500/mo |
SIP Taxation in India (2025-26)
| Fund Type | Holding Period | Tax Rate | Exemption |
|---|---|---|---|
| Equity MF / ETF | < 12 months (STCG) | 20% | None |
| Equity MF / ETF | ≥ 12 months (LTCG) | 12.5% | ₹1.25L/year |
| ELSS (80C) | Lock-in 3 years (LTCG) | 12.5% | ₹1.25L + 80C ₹1.5L |
| Debt MF / Hybrid <65% eq. | Any | As per slab | None |
| Hybrid (equity ≥65%) | ≥ 12 months | 12.5% | ₹1.25L/year |
Note: Each SIP instalment is treated as a separate investment for tax purposes. On redemption, gains from instalments held for different durations are taxed separately as STCG or LTCG.
Frequently Asked Questions
How is SIP return calculated?
SIP returns are calculated using the compound interest formula for periodic investments. The formula: M = P × [(1+i)^n – 1]/i × (1+i), where P = monthly investment, i = monthly interest rate (annual rate ÷ 12), n = number of months. For example, ₹5,000/month at 12% annual return for 10 years = ₹11.6 lakh invested, maturity ≈ ₹11.6 lakh gain = total corpus ≈ ₹23.2 lakh. Actual SIP returns vary with market conditions — calculators show estimated returns at assumed CAGR.
What is a good SIP return rate to assume?
Historical SIP returns by category: Large-cap equity funds: 10–12% CAGR; Mid-cap funds: 12–15% CAGR; Small-cap funds: 14–18% CAGR (higher risk); Balanced/hybrid funds: 9–11% CAGR; Debt funds: 6–8% CAGR; ELSS (tax-saving): 12–14% CAGR. For long-term planning (10+ years), 12% is a commonly used estimate for equity mutual funds. Past performance does not guarantee future returns.
How much SIP is needed to get ₹1 crore?
To accumulate ₹1 crore via SIP: At 12% CAGR, 10 years: ₹43,471/month; At 12% CAGR, 15 years: ₹18,000/month; At 12% CAGR, 20 years: ₹8,600/month; At 12% CAGR, 25 years: ₹4,700/month. The power of compounding means starting early drastically reduces the monthly SIP required. A ₹5,000/month SIP at 12% for 30 years grows to approximately ₹1.76 crore.
Is SIP tax-free?
SIP taxation depends on the mutual fund type: ELSS SIP — locked 3 years, ₹1.5L deduction under 80C (old regime only), LTCG taxed at 12.5% above ₹1.25L. Equity mutual fund SIP — LTCG (held 12+ months) at 12.5%; STCG (held < 12 months) at 20%. Debt mutual fund SIP — gains taxed as per income slab (no LTCG/STCG distinction from Apr 2023). SIP itself is not an exemption — it is just a mode of investing. Tax applies on gains at the time of redemption.
What is the difference between SIP and lump sum investment?
SIP (Systematic Investment Plan) invests a fixed amount monthly, rupee-cost averaging across market highs and lows — ideal for salaried investors. Lump sum invests the entire amount at once — beneficial when markets are low, higher risk if timed wrong. For volatile equity markets, SIP generally outperforms lump sum for retail investors over long periods. SIP minimum is typically ₹500/month. Lump sum in the same fund has no forced periodicity but requires market timing judgment.
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