SIP Calculator
Future value of a monthly mutual fund SIP.
Estimated value
₹11,61,695
Invested
₹6,00,000
Est. gains
₹5,61,695
How SIP returns are calculated
Each monthly instalment grows for the months left until the end, using FV = P × ((1+i)ⁿ − 1)/i × (1+i). Mutual fund returns are not guaranteed — the rate you enter is only an assumption.
Why start early
Thanks to compounding, ₹5,000 a month for 20 years at 12% grows to roughly ₹50 lakh, while the same SIP for 10 years gives about ₹11.6 lakh. Time matters more than amount.
Frequently asked questions
Can I stop a SIP anytime?
Yes, open-ended mutual fund SIPs can be paused or stopped any time without penalty (ELSS has a 3-year lock-in per instalment).
Is SIP return taxed?
Equity fund gains above ₹1.25 lakh a year are taxed at 12.5% (long term) after 1 year; short-term gains at 20%.
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Results are estimates for planning only. Confirm final figures with your bank or a tax advisor.
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