SIP Calculator India — Systematic Investment Plan Calculator (2026)
Project your mutual fund SIP returns, compare up to 4 real fund schemes with live trailing returns, and see the power of step-up SIP.
How SIP Returns Are Calculated
A Systematic Investment Plan (SIP) calculator uses the future value of annuity formula:
Where P is the monthly investment amount, r is the monthly rate of return (expected annual return ÷ 12 ÷ 100), and n is the total number of months. For example, a ₹5,000/month SIP at 12% annual return for 10 years yields a corpus of approximately ₹11.6 Lakh.
Step-Up SIP
A Step-Up SIP increases your monthly investment by a fixed percentage every year (e.g., 10% annually to align with salary growth). A 10% annual step-up on a ₹5,000 SIP can build a corpus that is 60-70% larger than a flat SIP over 10 years.
LTCG Tax on Mutual Funds (FY 2025-26)
| Type | Holding Period | Tax Rate | Exemption |
|---|---|---|---|
| Equity MF LTCG | > 12 months | 12.5% | First ₹1.25 Lakh exempt |
| Equity MF STCG | ≤ 12 months | 20% | No exemption |
| Debt MF (purchased after Apr 2023) | Any | Income tax slab rate | No indexation |
Frequently Asked Questions
What is a SIP calculator?
A SIP calculator estimates the maturity value of your mutual fund investments made through a Systematic Investment Plan. It shows your total investment, estimated returns, and final corpus based on expected rate of return.
How much can I invest monthly?
Most mutual funds accept SIPs starting from ₹500 per month. There is no upper limit. Use this calculator to find the monthly amount you need to reach your financial goals.
What is a good return rate for SIP?
Historical returns for equity-oriented mutual funds in India range from 10-15% annually over the long term (10+ years). Debt funds typically return 6-9%. Use 12% as a reasonable estimate for equity SIP projections.
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