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Free Sip Calculator Online

Calculate your mutual fund returns with regular SIP, Step-Up SIP, Lumpsum, and Target Goal planning. Compare with bank FD, simulate inflation, and download year-by-year wealth schedule.

Currency:
Adjust for Inflation:
₹
1K 2.5K 5K 10K 25K 50K 1 Lakh
%
Benchmark Presets:
🏛️ Debt / FD (7%) ⚖️ Hybrid (10%) 📈 Large Cap (12%) 🚀 Flexi / Mid (15%) 🔥 Small Cap (18%)
Years
3Y 5Y 10Y 15Y 20Y 25Y 30Y
Total Invested
₹ 12,00,000
₹ 12 Lakhs
Est. Wealth Gain
₹ 11,23,391
+ 93.6% return
Total Maturity Corpus
1.94x Multiplier
₹ 23,23,391
₹ 23.23 Lakhs
Total Value
₹ 23.2 L
Invested: 51.6%
Returns: 48.4%
💡

SIP vs Traditional Bank FD (6.5% p.a.)

A standard bank FD would yield ₹ 16,84,000. Your Mutual Fund SIP generates an extra + ₹ 6,39,391 in wealth!

+ 38% More Wealth

Year-by-Year Compounding Wealth Growth

Visualizing exponential wealth creation over your 10-year horizon

Invested Principal Total Wealth (With Gains)

Year-on-Year Investment & Growth Breakdown

Detailed breakdown of annual deposits, interest earned, and ending balance

Year Annual Deposit Cumulative Invested Interest Earned (Year) Total Gains Closing Balance

Everything You Need to Know About Systematic Investment Plans (SIP)

A Systematic Investment Plan (SIP) is a disciplined investment methodology where you invest a fixed sum of money at predetermined intervals (usually monthly) into a Mutual Fund scheme. By harnessing the mathematical phenomena of Compounding and Rupee Cost Averaging, SIP allows everyday investors to build substantial long-term wealth without having to time the stock market.

👑 The Golden "15-15-15" Wealth Rule

If you invest ₹15,000 per month in an equity mutual fund for 15 Years at an expected return rate of 15% p.a., your total investment of ₹27 Lakhs will grow into ₹1 Crore (₹1,00,27,601)!

⚡ Extend it to 30 years (15-15-30), and your corpus skyrockets from ₹1 Crore to ₹10 Crores! That is the exponential magic of compound interest.

How Does the SIP Return Formula Work?

The mathematical formula used to compute the future value of a regular SIP annuity is:

FV = P × [ ( (1 + i)^n - 1 ) / i ] × (1 + i)
  • FV = Future Value / Total Maturity Corpus
  • P = Monthly investment amount
  • i = Periodic monthly interest rate (Annual Rate / 12 / 100)
  • n = Total number of monthly installments (Years × 12)

Mutual Fund Categories & Historical Returns Guide

Fund Category Risk Profile Expected 5-10Y CAGR Ideal Horizon
Large Cap / Nifty 50 Index Moderate 12% - 13% 5+ Years
Flexi Cap & Multi Cap Moderate to High 13% - 15% 5 - 7 Years
Mid Cap Funds High 15% - 18% 7+ Years
Small Cap Funds Very High 18% - 22% 10+ Years
Hybrid / Balanced Advantage Low to Moderate 10% - 12% 3+ Years

Taxation on Mutual Fund SIP Returns (Budget 2024-2026 Rules)

Long Term Capital Gains (LTCG): If units are held for more than 12 months in Equity Mutual Funds, gains up to ₹1.25 Lakh per financial year are 100% Tax-Free. Gains exceeding ₹1.25 Lakh are taxed at 12.5%.

Short Term Capital Gains (STCG): If redeemed before 12 months, equity gains are taxed at 20%.

Frequently Asked Questions (FAQs)

What is the minimum amount required to start an SIP?

Most mutual fund houses (AMCs) in India allow you to begin a monthly SIP with as little as ₹100 or ₹500 per month. There is no maximum limit.

What is Step-Up SIP and why is it recommended?

A Step-Up (or Top-Up) SIP automatically increases your monthly installment by a fixed percentage (e.g., 10%) every year in line with your annual salary increments. This dramatically accelerates your target milestone timeline by years.

Can I pause or stop my SIP anytime without penalty?

Yes. Open-ended mutual fund SIPs are completely flexible. You can pause, modify, or permanently stop your SIP at any time through your broker or AMC app with zero penalty.

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