Calculate how much your monthly SIP investment in Indian mutual funds will grow over time with compounding. Supports step-up SIP (annual increase in contribution), existing corpus addition, and inflation-adjusted real value calculation.
Step 1. Enter your monthly SIP amount and the expected annual return rate.
Step 2. Set investment duration in years.
Step 3. Optionally add annual step-up percentage (e.g., 10% to increase contribution by 10% each year).
Step 4. Enter existing corpus if you already have mutual fund investments.
Step 5. Enter expected inflation rate to see real purchasing power of the maturity amount.
With the default inputs loaded in the form, the calculator produces a starting result you can use as a baseline. Change one field at a time to compare a new scenario.
A Systematic Investment Plan (SIP) lets investors contribute a fixed amount monthly into a mutual fund scheme. The power of SIP lies in rupee cost averaging — buying more units when markets fall and fewer when markets rise — and in disciplined long-term compounding.
Indian large-cap equity mutual funds have historically delivered 10-13% CAGR over 10+ year periods, though past returns do not guarantee future results. Flexi-cap and mid-cap funds have shown 12-16% over similar periods with higher volatility.
Step-up SIP (increasing annual contribution by 5-10% each year) dramatically boosts the final corpus. Increasing from Rs.5,000 to Rs.10,000/month over 10 years at 10% step-up adds significantly more than simply starting with Rs.10,000.
Tax efficiency of equity mutual funds: LTCG (Long Term Capital Gains) on equity funds is taxed at 12.5% above Rs.1.25 lakh per year (from FY 2024-25). This is far more efficient than fixed deposits taxed at slab rates.
Indian large-cap equity mutual funds: 10-13% historical CAGR. Flexi-cap/mid-cap: 12-16%. Debt funds: 6-8%. Use conservative estimates (10% for equity) for long-term planning to avoid over-projecting.
Step-up SIP automatically increases your monthly contribution by a fixed percentage each year. A Rs.5,000/month SIP with 10% annual step-up becomes Rs.5,500 in year 2, Rs.6,050 in year 3, and so on — significantly boosting final corpus.
LTCG on equity funds: 12.5% on gains above Rs.1.25 lakh/year (held over 12 months). STCG (under 12 months): 20%. ELSS funds have a mandatory 3-year lock-in but qualify for Section 80C deduction of up to Rs.1.5 lakh/year.
Yes — most AMCs allow SIP pause for 1-3 months and cancellation with 3-7 working days notice before the next SIP date. Pausing or stopping SIP does not affect existing units; you simply stop buying new units.
Applies the statutory gratuity formula (Basic+DA × 15 × years ÷ 26) and checks the Rs. 20 lakh tax-exemption limit under the Payment of Gratuity Act 1972.
Projects EPF corpus using compound interest on current balance plus future contributions with salary growth. Compares against retirement income needs and shows the gap.
Computes FY 2025-26 income tax under both regimes simultaneously. New regime has 87A rebate for taxable income up to Rs.12 lakh (zero tax up to Rs.12.75 lakh gross). Old regime applies all deductions.
Disclaimer: Results from this calculator are for informational and planning purposes only and do not constitute financial, legal, or professional advice. Always verify important calculations with a qualified professional.
