Financial Planning

SIP Calculator

Project the maturity value of your monthly SIP, with annual step-up, a goal planner and an equity LTCG estimate for FY 2025-26 (AY 2026-27).

Plan your SIP

Drag the sliders or type exact values, results update instantly.

Monthly investment ₹500 – ₹5,00,000

₹

₹500₹5L

Expected annual return 1% – 30%

% p.a.

1%30%

Investment period 1 – 40 years

years

1 yr40 yrs

Annual step-up Raise your SIP every 12 months

% / yr

0%25%

LTCG estimate (equity funds) 12.5% beyond ₹1.25L gains

Your projection

FY 2025-26 (AY 2026-27) · equity taxation assumed

Maturity Value ₹0 in 10 years at 12% p.a.

Total invested ₹0

Estimated returns ₹0

Projected corpus ₹0

Amount invested Projected value

For guidance only, consult Taxopd before acting. Mutual fund returns are market-linked and not guaranteed; projections assume a constant rate of return.

How it works

The maths behind your SIP

A SIP simply invests a fixed sum every month and lets monthly compounding do the heavy lifting.

The annuity-due formula

Because each SIP instalment is invested at the start of the month, the projection uses the annuity-due form of the future-value formula:

FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i)
where P = monthly SIP, i = annual return ÷ 12, and n = total months.

With a step-up, P is increased once every 12 months, so the calculator switches to a month-by-month simulation, the same loop this page runs live as you move the sliders.

In Goal Planner mode the equation is solved in reverse: the tool iterates on P until the projected corpus matches your target, then shows the monthly SIP you need to start today.

Worked example, the step-up advantage

₹25,000 per month at 12% p.a. for 10 years:

Scenario	Invested	Maturity
Flat SIP (no step-up)	₹30,00,000	₹58,08,477
10% annual step-up	₹47,81,227	₹84,35,816

The step-up investor puts in about ₹17.8 lakh more over the decade but walks away with roughly ₹26.3 lakh extra, because every increase gets years of compounding of its own. If your income grows ~10% a year, stepping up your SIP by the same rate keeps your savings rate constant while quietly accelerating the goal.

FAQs

SIP questions, answered

There is no promised rate, equity funds are market-linked. Long-run diversified equity indices in India have historically compounded in the low-to-mid teens, so planners commonly model 10–12% p.a. to stay conservative. Use the slider to test a range rather than anchoring on a single number, and revisit the assumption every year.

For equity-oriented funds, units held over 12 months attract long-term capital gains tax at 12.5% on gains above the ₹1.25 lakh annual exemption. Each SIP instalment has its own purchase date, so the holding period is checked instalment by instalment (FIFO). The LTCG toggle on this page gives a simplified single-redemption estimate, an actual redemption plan can be structured far more tax-efficiently with professional advice.

Yes. A SIP is not a lock-in (except tax-saver ELSS, where each instalment is locked for 3 years). You can pause instalments, change the amount, or stop entirely without penalty from the fund, though exit loads may apply if you redeem units very early. Stopping the SIP does not redeem the money already invested; that keeps compounding.

These projections are illustrations, not investment advice or an assurance of returns. Mutual fund investments are subject to market risks. For guidance only, consult Taxopd before acting.