SIP calculator
Work out what a monthly SIP could grow into at a return you choose, see how much of the final amount is your own money, and try raising the instalment each year.
What it could be worth in 10 years
₹23,23,391
What you will have put in
₹12,00,000
Growth on top
₹11,23,391
94% of what you invested
- What you put in₹12,00,000(52%)
- What it earned₹11,23,391(48%)
- Invested
- Value
See the numbers
| Year | Invested | Value | Growth |
|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 |
| 1 | ₹1,20,000 | ₹1,28,093 | ₹8,093 |
| 2 | ₹2,40,000 | ₹2,72,432 | ₹32,432 |
| 3 | ₹3,60,000 | ₹4,35,076 | ₹75,076 |
| 4 | ₹4,80,000 | ₹6,18,348 | ₹1,38,348 |
| 5 | ₹6,00,000 | ₹8,24,864 | ₹2,24,864 |
| 6 | ₹7,20,000 | ₹10,57,570 | ₹3,37,570 |
| 7 | ₹8,40,000 | ₹13,19,790 | ₹4,79,790 |
| 8 | ₹9,60,000 | ₹16,15,266 | ₹6,55,266 |
| 9 | ₹10,80,000 | ₹19,48,215 | ₹8,68,215 |
| 10 | ₹12,00,000 | ₹23,23,391 | ₹11,23,391 |
- The return is your assumption, not a forecast. Markets do not deliver the same number every year, and a long fall early on hurts more than the average suggests.
- Try the step-up field: raising the instalment with your salary usually matters more than finding a better fund.
- Figures are before tax. Gains on equity funds held over a year are taxed as long-term capital gains.
Common questions
Is the return guaranteed?
No. The return is a number you type in, not a promise. Equity mutual funds in India have returned roughly 10 to 13 per cent a year over long periods, but any ten-year stretch can be far better or far worse, and a fall of 30 per cent or more has happened several times.
What is a step-up SIP?
Raising the instalment by a fixed percentage every year, usually in line with a salary increase. It matters more than most people expect: a 10 per cent yearly step-up on a ten-year SIP invests roughly 60 per cent more than a flat one.
Does this account for tax?
No. Gains on equity funds held over a year are taxed as long-term capital gains, and the rate and exemption change from time to time, so the figure here is before tax.
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This is general information for education, not investment, tax or legal advice. Rules and rates change; check the official source before acting. Read the full disclaimer.