Calculate the future value of a monthly SIP in mutual funds — with year-by-year corpus growth, total invested vs wealth-gain split and inflation-adjusted view.
A ₹10,000/month SIP at 12% for 10 years grows to ₹23,23,391 — a wealth gain of ₹11,23,391.
A Systematic Investment Plan (SIP) is the most disciplined way an Indian retail investor can build wealth in mutual funds. Instead of timing the market, you invest a fixed rupee amount every month; the fund house allots units at that day's NAV. Over long horizons — 10, 15, 20 years — the twin engines of rupee-cost averaging and compounding turn small monthly contributions into meaningful corpuses. This SIP calculator projects the future value of your monthly SIP for any tenure and any expected annual return, and shows the invested-vs-value split year by year.
The underlying formula is the future value of an ordinary annuity due: FV = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly instalment, i is the monthly rate (annual return / 12 / 100) and n is the total number of months. The calculator uses end-of-period compounding, which matches how AMCs actually allot units on your SIP date. Change the return assumption to model best-case (equity 14–15%), base-case (balanced 10–12%) and worst-case (debt 6–7%) scenarios.
SIPs are eligible for indexation-free equity taxation — LTCG at 12.5% above ₹1.25 lakh per year for equity funds held over 12 months — and can be paired with ELSS SIPs to claim ₹1.5 lakh under Section 80C (old regime only). For goal-based planning use this calculator alongside our lumpsum, PPF and NPS calculators to build a diversified retirement corpus with the right equity/debt mix.
A 30-year-old salaried professional starts a ₹10,000 monthly SIP in a Nifty 50 index fund, targeting a retirement corpus.
Founder invests ₹25,000/month with a 10% annual step-up for 15 years targeting an early-retirement corpus.
| Tenure | 8% (debt) | 10% (balanced) | 12% (equity) | 15% (aggressive) |
|---|---|---|---|---|
| 10 years | ₹18.4 L | ₹20.7 L | ₹23.2 L | ₹27.9 L |
| 15 years | ₹34.8 L | ₹41.8 L | ₹50.5 L | ₹68.0 L |
| 20 years | ₹59.3 L | ₹76.6 L | ₹99.9 L | ₹1.52 Cr |
| 25 years | ₹95.7 L | ₹1.34 Cr | ₹1.90 Cr | ₹3.28 Cr |
| 30 years | ₹1.50 Cr | ₹2.28 Cr | ₹3.53 Cr | ₹7.00 Cr |
Stopping a SIP during a market crash — the discount phase is exactly where averaging works.
Assuming past 5-year returns will repeat: model 10–12% for equity, not 18%.
Ignoring expense ratio and exit load — a 1.5% TER compounds against you.
Not increasing SIP with income — inflation eats a flat contribution.
Redeeming for short-term needs — LTCG >1 year is far more tax-efficient.
Need a CA to review your numbers? Book a free consult — we'll double-check within 24 hours.
Anchor SIP dates to the day after salary credit so cashflow never breaks.
Split large SIPs across 2–3 funds (large-cap + flexi-cap + index) for diversification.
Use direct plans on AMC websites — save 60–80 bps vs regular plans.
Review — don't churn — every 12 months against benchmark.
SIP averages your purchase cost across market cycles (rupee-cost averaging) and enforces discipline. Lumpsum works better only when markets are decisively undervalued.
No. SIP returns depend on the underlying fund's market performance. The 12% default here is a long-term equity assumption, not a guarantee.
Equity fund gains held >1 year are LTCG taxed at 12.5% above ₹1.25 lakh/year. Debt fund gains are taxed at your slab rate.
SIP averages your purchase cost across market cycles (rupee-cost averaging) and enforces discipline. Lumpsum works better only when markets are decisively undervalued.
via SIP CalculatorNo. SIP returns depend on the underlying fund's market performance. The 12% default here is a long-term equity assumption, not a guarantee.
via SIP CalculatorEquity fund gains held >1 year are LTCG taxed at 12.5% above ₹1.25 lakh/year. Debt fund gains are taxed at your slab rate.
via SIP CalculatorThe bonus / variable pay is shown separately since it is typically paid annually, not monthly.
via In-Hand Salary CalculatorFor pure risk cover, always term insurance. Endowment/ULIPs mix insurance with investment and typically deliver poor returns on both.
via Life Insurance CalculatorThis dataset is free to reference in articles, research and reports. Attribution to Taxpex Consultancy is all we ask. Data last verified 31 July 2026.
Taxpex Consultancy. (2026). SIP Calculator — Taxpex. Retrieved from https://taxpex.com/tools/investment/sip-calculator<a href="https://taxpex.com/tools/investment/sip-calculator">SIP Calculator — Taxpex</a> — Taxpex Consultancy