📈 SIP Calculator
Project the corpus from a monthly SIP, with optional annual step-up, then see it post-tax and inflation-adjusted. Switch to Advanced for goal planning, asset allocation and tax-impact analysis.
ROI & Returns Calculator
Quick CAGR & return estimate
SIP Details
Monthly Investment
Asset Type
Expected Annual Return
Investment Period
Annual Step-Up
Increase SIP by % each year (optional)
Your Tax Slab
Inflation Assumption
Tax: 10% LTCG above ₹1L (≥1yr)
SIP Returns
Enter details to see returns
Investment Returns — Answered Directly
25 questions on SIP, mutual funds, PPF, FD, NPS, gold, and real estate. India-specific, updated for Budget 2024 and FY 2025-26.
SIP & Mutual Fund ROI
PPF, FD & Guaranteed Returns
ROI — Core Concepts
Real Estate & Gold ROI
General Investment ROI
What This SIP Calculator Does
- Monthly SIP projection across equity, debt, gold and RD
- Annual step-up SIP to model rising income
- Post-tax corpus using correct LTCG/STCG rules per asset (Budget 2024)
- Inflation-adjusted (real) corpus alongside the nominal figure
- Year-by-year invested vs value breakdown
SIP — Frequently Asked Questions
How is SIP return calculated?
A SIP grows each monthly instalment by the periodic return until the end date. The future value formula is FV = P × [((1+i)ⁿ − 1) / i] × (1+i), where P = monthly amount, i = monthly return (annual ÷ 12) and n = months. A ₹10,000 SIP at 12% for 15 years grows to about ₹50L on ₹18L invested.
What is a step-up SIP and why does it help?
A step-up (or top-up) SIP increases your monthly contribution by a fixed percentage each year, usually in line with salary growth. A 10% annual step-up on a ₹10,000 SIP can add 30–50% more to the final corpus over 15–20 years versus a flat SIP, because higher contributions compound for longer.
How are SIP returns taxed in India?
For equity funds: long-term capital gains (held >1 year) above ₹1.25L/year are taxed at 12.5%; short-term gains at 20% (Budget 2024). Each SIP instalment has its own holding period (FIFO). Debt fund gains are taxed at your slab rate post-April 2023.
Other Calculation Modes
Each mode has its own calculator. The all-in-one ROI Calculator hub lets you pick any mode and switch freely, plus the full 6-module advanced analysis.