SIP Calculator

Calculate your mutual fund SIP (Systematic Investment Plan) returns in real-time. Optimize for Indian mutual funds with inflation adjustment and capital gains taxation.

Parameters
₹ Mo
%
Yrs
Calculated Results
Invested Amount -
Total Gains -
Nominal Corpus -
Real Corpus (Today's Purchasing Power) - -
Compounding
Inflation
%
Taxation
Visual Projection
Invested
Corpus
Real Value
Yearly Breakdowns
YearInvestedReturnsCorpusReal CorpusTaxable GainsEstimated TaxPost-Tax Corpus
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Understanding Mutual Fund SIP Compounding

A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds, helping you benefit from rupee cost averaging and power of compounding.

Popular SIP Calculations

Click on any of the popular search scenarios below to load the calculator with pre-configured values:

Frequently Asked Questions

What is CAGR compounding?
Compound Annual Growth Rate (CAGR) measures the geometric progression ratio that provides a constant rate of return over the period. Using CAGR monthly compounding is the standard for retail investment evaluations.
How is Equity LTCG taxed in India?
Starting FY 2024-25, Long-Term Capital Gains (LTCG) on equity investments are taxed at 12.5% for gains exceeding ₹1.25 Lakhs in a financial year.

Formula & Mathematical Approach

The Systematic Investment Plan (SIP) calculator uses the monthly equivalent interest rate of the expected annual return to model growth.

i=(1+Return Rate100)112−1i = \left(1 + \frac{\text{Return Rate}}{100}\right)^{\frac{1}{12}} - 1
Future Value=Monthly SIP×[(1+i)Months−1i]×(1+i)\text{Future Value} = \text{Monthly SIP} \times \left[ \frac{(1 + i)^{\text{Months}} - 1}{i} \right] \times (1 + i)
Show Plain Text / Excel Formula 
i = (1 + Return Rate / 100) ^ (1 / 12) - 1
Future Value = Monthly SIP * [((1 + i) ^ Months - 1) / i] * (1 + i)

Key Assumptions

  • Monthly deposits are made at the beginning of each monthly interval (annuity-due).
  • Compounding is calculated monthly using the CAGR-equivalent rate.
  • The expected return rate is steady and constant throughout the period.
  • Taxation and inflation are calculated steadily on the final accumulated corpus.
  • Tax rules are estimated based on regulations last reviewed in June 2026.