SIP calculator · India 2026
SIP Calculator India 2026: Mutual Fund, Index Fund & Stock SIP Returns in ₹
By Pratik Bajoria, Chartered Accountant & NISM-certified Research Analyst · Updated 3 October 2026
A Systematic Investment Plan (SIP) invests a fixed rupee amount every month. This free SIP calculator estimates the maturity value of that monthly investment plan using compound growth — for mutual fund SIPs, index fund SIPs and, roughly, stock SIPs. Enter your monthly amount, an expected annual return and the number of years; results update instantly.
SIPs are now the default way Indians invest in mutual funds: according to AMFI monthly data, SIP contributions hit a record ₹32,297 crore in August 2026 and contributing SIP accounts crossed 10 crore (10.02 crore) for the first time. Below the calculator you will find the formula, worked tables and the questions people most often ask.
Estimated SIP maturity value
₹60.5 L
When you redeem, equity fund gains are taxed under the Income-tax Act, 2025 from April 2026 (long-term gains now in section 198, old 112A). The section mapping guide and tax year vs assessment year explain which rules apply to which year.
SIP calculator formula (with example)
The calculator uses the standard future value of a monthly SIP, with each instalment invested at the start of the month:
FV = P × [((1 + i)n − 1) ÷ i] × (1 + i)
- P = monthly SIP amount (₹)
- i = expected annual return ÷ 12 (12% → 0.01)
- n = number of monthly instalments (years × 12)
Example: P = ₹10,000, i = 0.01, n = 240 (20 years). FV ≈ ₹10,000 × 989.3 × 1.01 ≈ ₹99,91,479 on ₹24,00,000 invested — estimated gains of about ₹75,91,479. The widget above runs exactly this formula.
SIP returns table: ₹5,000, ₹10,000 & ₹25,000 per month
Estimated maturity value at an assumed constant 12% a year (illustrative, not a forecast). Total invested = monthly SIP × 12 × years.
| Years | ₹5,000/month | ₹10,000/month | ₹25,000/month |
|---|---|---|---|
| 5 | ₹4,12,432invested ₹3,00,000 | ₹8,24,864invested ₹6,00,000 | ₹20,62,159invested ₹15,00,000 |
| 10 | ₹11,61,695invested ₹6,00,000 | ₹23,23,391invested ₹12,00,000 | ₹58,08,477invested ₹30,00,000 |
| 15 | ₹25,22,880invested ₹9,00,000 | ₹50,45,760invested ₹18,00,000 | ₹1,26,14,400invested ₹45,00,000 |
| 20 | ₹49,95,740invested ₹12,00,000 | ₹99,91,479invested ₹24,00,000 | ₹2,49,78,698invested ₹60,00,000 |
| 25 | ₹94,88,175invested ₹15,00,000 | ₹1,89,76,351invested ₹30,00,000 | ₹4,74,40,877invested ₹75,00,000 |
| 30 | ₹1,76,49,569invested ₹18,00,000 | ₹3,52,99,138invested ₹36,00,000 | ₹8,82,47,844invested ₹90,00,000 |
Chart: ₹10,000 SIP growth over 30 years
How the return assumption changes your SIP result
₹10,000 a month for 20 years (₹24 lakh invested):
| Assumed return | Estimated corpus | Estimated gains |
|---|---|---|
| 8% p.a. | ₹59,29,472 | ₹35,29,472 |
| 10% p.a. | ₹76,56,969 | ₹52,56,969 |
| 12% p.a. | ₹99,91,479 | ₹75,91,479 |
| 14% p.a. | ₹1,31,63,463 | ₹1,07,63,463 |
A 2-percentage-point change in assumption moves the 20-year result by roughly ₹17–32 lakh. Stress-test with a lower number before you commit to a goal.
Mutual fund SIP calculator: what to enter
For a mutual fund SIP, enter the monthly amount you have registered with the AMC or platform, the years you plan to stay invested, and a return assumption that suits the scheme category — equity, hybrid or debt. Use a return net of the scheme's expense ratio. The plan you choose matters: a Direct plan and a Regular plan of the same scheme differ only in cost, and a 1-point cost gap on a ₹10,000 SIP is worth about ₹11.6 lakh over 20 years in our direct vs regular calculator worked example (see the SIP direct vs regular guide).
Running several SIPs? More schemes are not automatically more diversified — check common holdings with the mutual fund overlap calculator and read how many mutual funds you should have. For context, AMFI data show about 4.5 folios per unique investor — see how many mutual funds Indians hold.
Index fund SIP calculator: why cost matters more
An index fund SIP uses the same formula — the difference is what goes into the return assumption. An index fund aims to track its benchmark (for example the Nifty 50), so your return is roughly the index return minus the expense ratio and tracking error. Under the SEBI (Mutual Funds) Regulations, 2026 (effective 1 April 2026), the maximum base expense ratio is 0.9% for index funds and ETFs, against 2.10% on the first ₹500 crore for actively managed open-ended equity schemes.
Cost compounds like return does. ₹10,000 a month for 20 years at a 12% gross return becomes ₹97,24,759 with a 0.2% annual cost versus ₹87,35,731 with a 1.0% cost — a gap of about ₹9.9 lakh purely from fees (illustrative costs, not quotes for any scheme).
Stock SIP calculator: how a stock SIP differs
A stock SIP is a broker feature that buys shares of a single listed company on a fixed date every month. You can use this calculator for a rough estimate, but remember:
- Whole shares: most stock SIPs buy whole shares, so a ₹5,000 SIP in a ₹1,800 share invests ₹3,600 (2 shares) and leaves cash idle.
- Transaction costs: brokerage, Securities Transaction Tax, stamp duty, exchange and DP charges come out of every buy — small SIPs feel them most.
- Concentration: one company can underperform for a decade; a diversified mutual fund or index fund spreads that risk.
- Taxes: listed equity shares follow the same LTCG/STCG framework as equity-oriented funds (12.5% above ₹1.25 lakh after 12 months; 20% within 12 months). Estimate the tax on a sale with the equity capital gains calculator.
SIP investment plan: how much SIP for ₹1 crore?
Monthly SIP needed to reach ₹1 crore (reverse of the same formula):
| Years | SIP @ 10% p.a. | SIP @ 12% p.a. |
|---|---|---|
| 10 | ₹48,414 | ₹43,041 |
| 15 | ₹23,928 | ₹19,819 |
| 20 | ₹13,060 | ₹10,009 |
| 25 | ₹7,474 | ₹5,270 |
₹1 crore in 20 years will buy less than ₹1 crore today — inflate the goal first. For multi-goal planning use the goal calculator and the SIP planning guide. Full tables for 5–30 years, step-up and lumpsum routes: how much SIP for ₹1 crore. Wondering which date to choose? Our best SIP date study (AMFI data) found it barely matters.
Cost of delay: starting your SIP at 25 vs 40
₹10,000 a month until age 60 at an assumed 12%:
| Start age | Invested | Estimated corpus at 60 |
|---|---|---|
| 25 | ₹42,00,000 | ₹6,49,52,691 |
| 30 | ₹36,00,000 | ₹3,52,99,138 |
| 35 | ₹30,00,000 | ₹1,89,76,351 |
| 40 | ₹24,00,000 | ₹99,91,479 |
Each 5-year delay roughly halves the end corpus in this example, even though invested money falls by only ₹6 lakh each time.
Step-up SIP vs flat SIP
Raising a ₹10,000 SIP by 10% every year for 20 years at 12% gives about ₹1,98,88,715 on ₹68,73,000 invested, compared with ₹99,91,479 on ₹24,00,000 for a flat SIP. Model your own step-up with the step-up SIP calculator, or compare with a one-time investment in the SIP vs lumpsum calculator.
Before you start a SIP: a 4-point checklist
- Build an emergency buffer first so a job loss does not force you to stop or redeem SIPs — see the emergency fund guide.
- Map each SIP to a goal and horizon; equity SIPs suit goals 7+ years away. For shorter or guaranteed-return goals, compare returns, lock-in and tax in SIP vs FD vs PPF.
- Choose the plan (Direct or Regular) knowing the cost and the service you get.
- Track your real return with XIRR, not the calculator's constant rate — see XIRR vs CAGR. When the goal arrives and you need a monthly income from the corpus, the SIP withdrawal calculator shows how long a fixed monthly withdrawal (an SWP) would last and how it is taxed.
People also ask: SIP calculator FAQs
How is SIP return calculated in India?
Most SIP calculators, including this one, use the future value of a monthly annuity: FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the monthly SIP, i is the annual return ÷ 12 and n is the number of months. For example, ₹10,000 a month for 20 years at an assumed 12% a year gives about ₹99.9 lakh on ₹24 lakh invested. Real returns vary every year, so this is a planning estimate, not a promise.
What will ₹10,000 per month SIP become in 10, 15 or 20 years?
At an assumed constant 12% a year: about ₹23.2 lakh after 10 years (₹12 lakh invested), ₹50.5 lakh after 15 years (₹18 lakh invested) and ₹99.9 lakh after 20 years (₹24 lakh invested). At 10% a year the 20-year figure falls to about ₹76.6 lakh — the assumption matters a lot.
How much SIP is needed to build ₹1 crore?
At an assumed 12% a year, roughly ₹43,000 a month for 10 years, ₹19,800 for 15 years, ₹10,000 for 20 years or ₹5,300 for 25 years. At 10% a year the figures rise to about ₹48,400, ₹23,900, ₹13,100 and ₹7,500. Time in the market reduces the monthly amount needed far more than chasing a higher return.
Can I use this as an index fund SIP calculator?
Yes. The maths is identical for an index fund SIP — enter the monthly amount, years and a return assumption you consider reasonable for the index, net of the fund's expense ratio. Index funds usually have lower expense ratios than active funds (SEBI caps the base expense ratio of index funds and ETFs at 0.9% under the Mutual Funds Regulations, 2026), and that cost difference compounds over long horizons.
Does this SIP calculator work for stock SIPs?
It gives a rough estimate. A stock SIP buys shares of one company every month through your broker, so returns depend entirely on that stock, you can usually only buy whole shares, and brokerage, STT, stamp duty and DP charges reduce the effective amount invested. Single-stock SIPs carry concentration risk that a diversified mutual fund does not.
What return should I assume in a mutual fund SIP calculator?
Pick a conservative assumption that matches the asset class you will actually hold and run more than one scenario (for example 8%, 10% and 12% for equity-heavy portfolios, lower for debt). No return is guaranteed; past performance is not indicative of future returns. Compare your actual experience using XIRR rather than the calculator's constant rate.
Is a step-up SIP better than a regular SIP?
A step-up SIP increases your instalment every year. In our worked example, a ₹10,000 SIP stepped up 10% a year for 20 years at 12% grows to about ₹1.99 crore on ₹68.7 lakh invested, versus ₹99.9 lakh on ₹24 lakh for a flat SIP. You invest more, so compare both corpus and total invested; use the step-up SIP calculator for your numbers.
Does the SIP calculator include tax, exit load and expense ratio?
No. It shows the gross maturity value before capital gains tax and exit loads. Enter a return net of the scheme's expense ratio. For equity-oriented funds, gains held over 12 months are long-term and taxed at 12.5% above ₹1.25 lakh a year; shorter holdings are taxed at 20% (rules effective 23 July 2024 — verify for your year).
Educational tool only — not investment, tax or legal advice. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Returns shown are illustrative constant-rate calculations, not forecasts of any scheme. Findost (findost.io) and PaisaGuru by Findost are not affiliated with Findoc or FinDost.
Explore more: all calculators, lumpsum calculator, NPS calculator, SWP calculator, direct vs regular calculator, fund overlap calculator, XIRR vs CAGR, how many mutual funds and the emergency fund guide.
Where to go next
Got a raise coming? A flat SIP is a starting point. A step-up SIP that grows 5–10% a year with your salary usually does more than chasing a higher-return fund. Sitting on a bonus instead? TheSIP vs lumpsum calculator shows both ways, with real AMFI NAV history.
If the goal is under five years away and the amount can't fall, an RD is the more honest tool. Thinking of putting money into rooftop solar instead? Compare payback in thesolar savings calculator.