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SIP Calculator

Updated for FY 2026–27. Last Updated: July 2026. Project your mutual fund SIP wealth creation, compound annual growth yields, step-up increases, and inflation adjustments.

Last Updated: July 2026Verified By: GSTWaala Editorial Team
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Reviewed: GSTWaala Editorial Team & AMFI Advisors Updated: July 2026 Rules: Mutual Fund Schemes & Capital Gains Tax (LTCG/STCG) provisionsFree & No Registration Mobile-Friendly Layout
Disclaimer: Calculations are based on the latest Indian Income Tax provisions (including updates u/s Finance Act 2024). This tool is intended for educational guidance only and does not constitute formal financial, investment, or legal advice.
⚡ Load Example Presets

SIP Investment Inputs

How to Use the SIP Calculator

  1. Enter your expected Monthly SIP contribution amount.
  2. Input the Expected Annual Return percentage (typically matches long-term mutual fund averages like 12%).
  3. Specify the Investment Period in years and months.
  4. Toggle Step-Up SIP option if you plan to increase your contribution annually by a fixed percentage.
  5. Optionally enter initial Lump Sum investment, expected Inflation Rate, or Goal Target Amount.

Mathematical Formula & Calculations

Reviewed by GSTWaala Editorial Team•Based on Current AMFI Projections & SEBI Regulations•Last Updated: July 2026
Editorial Policy:All compound math represents nominal market indexes and uses the standard AMFI future value (FV) annuity calculation formula.
Calculation Accuracy:Compounding projections utilize monthly rest compounding models based on starting contributions. Inflation indexes utilize a flat 6% default.
Disclaimer:Mutual fund investments are subject to market risks. Actual CAGR returns can fluctuate depending on underlying scheme performance.

8 Worked Examples of SIP Calculations

Example 1: Entry Level SIP (₹2,000/month)

Scenario: Monthly SIP: ₹2,000. Interest: 12%. Duration: 15 Years.

  • Total Investment: ₹3,60,000
  • Total Profit Earned: ₹6,49,152
  • Maturity Value: ₹10,09,152
Example 2: Moderate Investor (₹5,000/month)

Scenario: Monthly SIP: ₹5,000. Interest: 12%. Duration: 15 Years.

  • Total Investment: ₹9,00,000
  • Total Profit Earned: ₹16,22,880
  • Maturity Value: ₹25,22,880
Example 3: Standard Wealth Builder (₹10,000/month)

Scenario: Monthly SIP: ₹10,000. Interest: 12%. Duration: 20 Years.

  • Total Investment: ₹24,00,000
  • Total Profit Earned: ₹75,91,479
  • Maturity Value: ₹99,91,479
Example 4: High Growth SIP (₹25,000/month)

Scenario: Monthly SIP: ₹25,000. Interest: 12%. Duration: 25 Years.

  • Total Investment: ₹75,00,000
  • Total Profit Earned: ₹3,99,41,607
  • Maturity Value: ₹4,74,41,607
Example 5: Step-Up SIP (10% Annual Increase)

Scenario: Starting SIP: ₹10,000/month. Step-Up: 10%. Duration: 20 Years.

  • Total Investment: ₹68,73,000
  • Total Profit Earned: ₹1,39,12,711
  • Maturity Value: ₹2,07,85,711
Example 6: Retirement Goals (30 Years Tenancy)

Scenario: Monthly SIP: ₹20,000. Interest: 12%. Duration: 30 Years.

  • Total Investment: ₹72,00,000
  • Total Profit Earned: ₹6,33,98,284
  • Maturity Value: ₹7,05,98,284
Example 7: Child Education Goals (18 Years Horizon)

Scenario: Monthly SIP: ₹15,000. Interest: 12%. Duration: 18 Years.

  • Total Investment: ₹32,40,000
  • Total Profit Earned: ₹76,48,321
  • Maturity Value: ₹1,08,88,321
Example 8: Home Purchase Target (10 Years Horizon)

Scenario: Monthly SIP: ₹25,000. Interest: 12%. Duration: 10 Years.

  • Total Investment: ₹30,00,000
  • Total Profit Earned: ₹28,08,402
  • Maturity Value: ₹58,08,402

Who Should Use This Tool?

Salaried Employees

Check your accrued gratuity reserves before switching employers, planning early retirement, or negotiating resignation payouts.

HR Professionals

Instantly cross-verify separation final settlements, employee gratuity sheets, and compliance calculations u/s Payment of Gratuity Act.

Employers & Founders

Estimate aggregate future separation gratuity liabilities and structure legal reserve funds for audits or accounting provisions.

Retirement Planners

Factor in tax-exempt separation allowances to map future capital cashflows and retirement wealth strategies.

Employees Changing Jobs

Verify if your service period qualifies for exit gratuity and calculate the tax-free exemption portion of your payout.

Payroll Teams

Ensure separation slips contain precise tax splits (tax-free exemption vs taxable portion) u/s Section 10(10).

Mutual Fund SIPs: Compounding Math, CAGR Yields & Goal Projections

1. What is an SIP (Systematic Investment Plan)?

A Systematic Investment Plan (SIP) is a disciplined investment approach that allows you to contribute a fixed sum to mutual funds regularly (usually monthly). By investing fixed amounts periodically, you benefit from **Rupee Cost Averaging**—buying more mutual fund units when market prices are low and fewer units when prices are high.

2. The Power of Compounding & Step-Up

Compounding generates earnings on your previous earnings. In a standard SIP, your interest earnings are reinvested to purchase more mutual fund units. With a **Step-Up SIP**, increasing your contributions by a small amount annually (e.g. 10%) can more than double your final retirement corpus over long tenures.

3. Related Investment & Tax Tools

PPF CalculatorEPF CalculatorCapital Gains Tax CalculatorIncome Tax CalculatorOld vs New Tax Regime80C Deduction Planner

Frequently Asked Questions

A Systematic Investment Plan (SIP) is an investment route provided by mutual funds where you invest a fixed amount regularly (monthly, quarterly, etc.) instead of a one-time lump sum.
SIP returns are calculated using the future value of an annuity formula: FV = P × [((1 + r)^n - 1) / r] × (1 + r), where P is the monthly deposit, r is the monthly interest rate, and n is the total number of months.
A Step-Up SIP allows you to automatically increase your monthly investment amount by a fixed percentage or amount every year, significantly accelerating long-term wealth compounding.
Historically, Indian equity mutual funds have delivered long-term returns ranging from 12% to 15% per annum, depending on market cycles.
Inflation reduces the purchasing power of your money over time. An inflation-adjusted calculator helps estimate the real value of your future corpus in today's terms.
CAGR stands for Compound Annual Growth Rate. It represents the mean annual growth rate of an investment over a specified period longer than one year, assuming compounding.
No. Equity mutual fund gains are subject to Capital Gains Tax: Short-Term Capital Gains (STCG) at 15% (if held < 1 year) and Long-Term Capital Gains (LTCG) at 10% on gains exceeding ₹1 Lakh (if held > 1 year).
ELSS stands for Equity Linked Savings Scheme. It is a type of mutual fund that qualifies for tax deduction up to ₹1.5 Lakh under Section 80C, with a mandatory lock-in period of 3 years.
Yes, most mutual fund platforms allow you to temporarily pause your SIP contributions for a few months without any penalty or deactivation.
Yes, unless you have invested in an ELSS fund (lock-in of 3 years) or a close-ended fund, you can withdraw your mutual fund holdings on any business day.
NAV is the market value per share of a mutual fund scheme. It is calculated by dividing the total net value of assets by the number of outstanding units, updated at the end of each trading day.
Rupee Cost Averaging is an investment strategy where you buy more units when prices are low and fewer units when prices are high, lowering your average cost per unit over time.
Most mutual fund schemes allow you to start an SIP with as little as ₹500 or ₹1,000 per month.
Yes, you can modify your monthly contribution, duration, or date by submitting a request online through your investment platform.
Direct plans have lower expense ratios because they do not involve distributor commissions, resulting in slightly higher returns compared to regular plans.
No, the calculator provides estimates based on your entered expected return rate. Actual mutual fund returns depend on market performance and are subject to market risks.
Yes, gains from debt mutual funds are taxed as per your individual income tax slab, regardless of the holding period.
It is the process of registering a nominee online to ensure hassle-free transfer of your mutual fund assets to your heirs in the event of your death.
No, mutual fund houses do not charge penalties. However, your bank may charge auto-debit failure fees if you have insufficient balance.
Since your monthly gains generate further gains in the subsequent months, your corpus grows exponentially over longer tenures.

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Compliance Note

All calculations are updated to reflect the tax codes, slabs, and deductions in effect for Financial Year 2025-26 (Assessment Year 2026-27). This tool runs entirely client-side; no data is transmitted or stored on our servers.
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