SIP Calculator India
Calculate returns on your SIP, Lumpsum or Step-up SIP investments. Get year-by-year wealth growth and compare returns across different durations.
SIP / Lumpsum Calculator
Mutual Fund Returns Calculator
Investment Breakdown
SIP ReturnsEnter your investment amount, expected return and tenure above, then click Calculate to see your wealth growth with year-by-year breakdown.
SIP & Lumpsum Formulas
SIP Formula: M = P × [(1+r)^n − 1] ÷ r × (1+r)
Where P = Monthly SIP, r = Monthly rate (Annual ÷ 12 ÷ 100), n = Total months.
Lumpsum Formula: M = P × (1+r)^n
Where P = Principal, r = Annual rate ÷ 100, n = Years.
What is SIP?
A Systematic Investment Plan (SIP) lets you invest a fixed amount monthly in mutual funds. It leverages rupee cost averaging — buying more units when markets are low and fewer when high.
SIP vs Lumpsum
SIP is better for salaried investors with regular income. Lumpsum is ideal when you have a large amount ready to invest, especially when markets are at lower valuations.
Step-up SIP
A Step-up SIP automatically increases your monthly investment by a fixed % each year — aligned with salary hikes. This dramatically increases your final corpus compared to a fixed SIP.
Power of Compounding
The longer you stay invested, the greater the compounding effect. ₹10,000/month for 20 years at 12% grows to over ₹99 lakh — but wait 5 more years and it becomes ₹1.9 crore!
Mutual Fund Category Returns (Historical Average)
Past returns are not a guarantee of future performance. Use these as reference for expected returns.
| Fund Category | 3-Year Return | 5-Year Return | 10-Year Return | Risk |
|---|---|---|---|---|
| Large Cap Equity | 12–15% | 12–14% | 11–13% | Medium |
| Mid Cap Equity | 18–25% | 16–20% | 15–18% | High |
| Small Cap Equity | 20–30% | 18–25% | 15–20% | Very High |
| Flexi Cap / Multi Cap | 14–18% | 13–16% | 12–15% | Medium-High |
| Debt / Liquid Fund | 6–8% | 6–8% | 7–8% | Low |
| Hybrid / Balanced Fund | 10–14% | 10–13% | 10–12% | Medium |
A SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly — typically monthly — in a mutual fund scheme. Each instalment buys units at the current NAV. Over time, you accumulate more units and benefit from compounding and rupee cost averaging.
Returns depend on the type of fund. Equity mutual funds have historically delivered 10–15% annualised returns over 10+ years. Debt funds typically return 6–8%. These are estimates; actual returns vary with market conditions. Use a conservative 10–12% for equity planning.
A Step-up SIP (also called Top-up SIP) lets you increase your monthly SIP amount by a fixed percentage each year. For example, if you start with ₹10,000/month and step up 10% yearly, it becomes ₹11,000 in Year 2, ₹12,100 in Year 3, and so on — dramatically increasing your final corpus.
SIP in equity funds has historically outperformed FDs significantly over 5+ year periods. However, SIP returns are market-linked and not guaranteed, while FDs offer fixed, guaranteed returns. SIP is better for long-term wealth creation; FD is better for capital preservation and short-term needs.
Yes. For equity funds held over 1 year, gains above ₹1 lakh per year attract 10% Long Term Capital Gains (LTCG) tax. For holdings under 1 year, Short Term Capital Gains (STCG) tax is 15%. Debt fund gains are taxed as per your income slab.