Finance & tax
SIP Calculator
See what a monthly mutual-fund SIP could grow to. Enter the monthly amount, an expected return and how long you'll invest, and you'll get the projected value, the total you put in, and the estimated gains.
Your SIP
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Projected value—
Total invested—
Estimated gains—
Wealth ratio—
How it's calculated
Each monthly instalment is compounded at the monthly rate for the number of months left until the end. Summed across every instalment, that's the standard SIP future-value formula. The gains are the projected value minus everything you actually invested.
M = P × ([(1+i)^n − 1] ÷ i) × (1+i), with i = annual return ÷ 12. Returns are assumed and not guaranteed — markets vary.
Frequently asked questions
What return should I assume?
Be conservative — many use 10–12% for equity funds over the long run, but actual returns swing widely year to year.
Does this include step-up?
No — it assumes a fixed monthly amount. A step-up SIP that rises yearly would grow more.
Are gains taxed?
Equity fund gains attract capital gains tax; long-term gains above the exemption are taxed at the applicable rate.