SIP Calculator India
2026

A SIP calculator estimates the future value of your Systematic Investment Plan based on monthly investment amount, expected annual return rate, and investment duration. It uses the compound interest formula: FV = P × [((1+r)^n - 1) / r] × (1+r), where P is monthly investment, r is monthly rate, and n is total months.

At 12% annual returns (Nifty 50 historical average), a ₹5,000/month SIP grows to approximately ₹49.9 lakh in 20 years on a total investment of ₹12 lakh. At 15% (mid-cap average), it reaches ₹75.8 lakh. The key driver is compounding — 76% of the final corpus comes from returns, not your invested amount.

For large-cap index funds (Nifty 50), use 12% for 10+ year SIPs. For mid-cap funds, 14-15% is historically accurate. For debt/hybrid funds, use 7-9%. Never use the 1-year return of any fund — always use 10-year or 15-year CAGR. Post-tax returns are 1-2% lower due to 12.5% LTCG above ₹1.25 lakh annually.

SIP is better for salaried investors because: (1) it enforces discipline, (2) it averages out market volatility via rupee cost averaging, and (3) it doesn't require large upfront capital. However, lumpsum beats SIP 65% of the time in rising markets. If you have a large amount, invest 50% lumpsum + 50% via 6-month SIP.

Each SIP installment compounds independently from its investment date. Your January installment compounds for 12 months by December, but your December installment compounds for just 1 month. Over 20 years, early installments do the heavy lifting — your first year's ₹60,000 investment alone grows to ₹5.9 lakh at 12% CAGR.

Most mutual funds allow SIPs starting at ₹500/month (some even ₹100). Top platforms: Groww, Kuvera, MF Central (free, direct plans). Always choose DIRECT plan + GROWTH option to avoid commission and maximize compounding. The expense ratio difference (0.5-1.5%) between direct and regular plans adds up to 15-25% more corpus over 20 years.

Each SIP installment has its own holding period. Equity fund SIPs held over 1 year: 12.5% LTCG on gains above ₹1.25 lakh/year. Under 1 year: 20% STCG. When you redeem, FIFO (First In, First Out) applies — oldest units are sold first. For a ₹10,000 monthly SIP redeemed after 2 years, only the last 12 installments may attract STCG.

Nothing catastrophic. If your bank account has insufficient balance, the SIP is simply skipped for that month — no penalty, no cancellation. Most AMCs cancel the SIP only after 3 consecutive misses. However, missing installments breaks compounding continuity. If cash flow is tight, reduce SIP amount rather than stopping it entirely.

Over 15 years: Equity SIP (Nifty 50) delivers ~12% CAGR, PPF gives 7.1% (tax-free), and FD gives 6.5-7% (taxed at slab rate, effective ~4.5% post-tax in 30% bracket). A ₹10,000/month investment for 15 years becomes: SIP = ₹50.5 lakh, PPF = ₹32.6 lakh, FD = ₹28.1 lakh (post-tax). SIP wins but carries market risk.

Yes — this is called a Step-Up SIP or Top-Up SIP. Increasing your SIP by 10% annually dramatically boosts returns. A ₹5,000 SIP with 10% annual step-up grows to ₹76 lakh in 20 years at 12% CAGR vs ₹49.9 lakh without step-up. Most platforms (Groww, Kuvera) support automatic annual step-ups.

Because the nominal number looks impressive and drives product sales. ₹49.9 lakh sounds exciting — ₹15.6 lakh (the same amount in today's purchasing power at 6% inflation) does not. Fintech platforms like Groww and Zerodha use calculators as acquisition funnels; showing deflated real values reduces conversions. Our calculator shows both because honest planning requires honest numbers.

More than you think. On a ₹5,000/month SIP at 12% for 20 years: a direct plan (0.3% TER) gives ~₹47.8 lakh while a regular plan (1.5% TER) gives ~₹40.1 lakh — a ₹7.7 lakh difference on just ₹12 lakh invested. That is 64% of your total investment amount eaten by fees. Always choose DIRECT plans via Kuvera, MF Central, or AMC websites.