SIP Calculator
సిప్ కాలిక్యులేటర్
What a monthly mutual fund SIP grows to, with an optional yearly step-up, or the return yours has earned.
నెలనెలా మ్యూచువల్ ఫండ్ సిప్ ఎంత అవుతుంది, ఏటా పెంచే స్టెప్-అప్‌తో సహా; లేదా మీ సిప్‌కు వచ్చిన రాబడి.
Your result
Estimated value అంచనా విలువ
23.23 lakh rupees
- Investedపెట్టిన మొత్తం
- ₹12,00,000
- Est. returnsఅంచనా రాబడి
- ₹11,23,391
Mutual fund returns are market-linked and not guaranteed; this is a projection at a constant rate.
The value is before tax, due on the gains when you sell. Equity funds (at least 65% in Indian shares): gains on units held up to 12 months are taxed at 20%; after that, 12.5% on your total long-term gains above ₹1.25 lakh in a year, plus 4% cess. Debt funds bought from April 2023: gains are added to your income and taxed at your slab rate. Each instalment's units count from the month you bought them.
Year by year ఏడాదివారీగా
- Invested
- Returns
Use the left and right arrow keys to read each year; the table below lists every value.
Show the year-by-year table
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹32,432 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹75,076 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹1,38,348 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹3,37,570 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹4,79,790 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹6,55,266 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹8,68,215 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹11,23,391 | ₹23,23,391 |
Last updated : the tax on equity fund gains: 12.5% above ₹1,25,000 a year after 12 months, 20% before. Check with a tax adviser or the income tax portal before you file.
How SIP returns are calculated
Each monthly instalment grows at the expected return, compounded every month. For an instalment P paid at the start of each month:
Value = P × ((1 + i) n − 1) ÷ i × (1 + i)
i is the monthly return (yearly return ÷ 12 ÷ 100) and n the number of months.
Example: ₹10,000 a month for 10 years at 12% is ₹12,00,000 invested and an estimated ₹23,23,391.
SIP returns on ₹1,000, ₹2,000, ₹5,000 and ₹10,000 a month
At 12% a year, ₹5,000 a month for 10 years grows to an estimated ₹11,61,695 on ₹6,00,000 invested, and ₹1,000 a month for 20 years to ₹9,99,148.
| SIP a month | 5 years | 10 years | 15 years | 20 years |
|---|---|---|---|---|
| ₹1,000 | ₹82,486 | ₹2,32,339 | ₹5,04,576 | ₹9,99,148 |
| ₹2,000 | ₹1,64,973 | ₹4,64,678 | ₹10,09,152 | ₹19,98,296 |
| ₹5,000 | ₹4,12,432 | ₹11,61,695 | ₹25,22,880 | ₹49,95,740 |
| ₹10,000 | ₹8,24,864 | ₹23,23,391 | ₹50,45,760 | ₹99,91,479 |
Estimates at a steady 12% a year, before tax. For the SIP a target needs, such as ₹1 crore in 15 years, see the goal SIP calculator.
SIP calculator with step-up
A step-up SIP raises the instalment by a fixed percentage every year, usually in line with your income. Raising ₹10,000 a month by 10% every year makes ₹33,74,326 in 10 years on ₹19,12,491 invested, against ₹23,23,391 without. Enter it under "Yearly step-up".
The return your SIP has earned (XIRR)
Already investing? Choose "Return earned", enter your SIP and what it is worth today (from your fund statement or app), and the calculator gives the yearly return as fund statements show it, the XIRR.
Good to know
- Mutual fund returns are market-linked: real values rise and fall, and past returns do not promise future ones.
- The longer you stay invested, the bigger the share of returns in the final value: watch it grow in the year-by-year chart.
- The value is before tax, due on the gains when you sell. Equity funds (at least 65% in Indian shares): gains on units held up to 12 months are taxed at 20%; after that, 12.5% on your total long-term gains above ₹1.25 lakh in a year, plus 4% cess. Each instalment's units count from the month you bought them. Debt funds bought from April 2023: gains are added to your income and taxed at your slab rate.
Questions
What is my SIP worth after inflation?
Less than it reads: at 6% inflation, the ₹11,61,695 from ₹5,000 a month for 10 years buys what ₹6,48,685 buys today. The inflation calculator works it out for any amount and rate.
SIP or FD: which is better?
An FD or RD pays a fixed rate and your money is safe. An equity fund SIP is market-linked: it may earn more over the years, or less, and its value can fall. Compare with the FD and RD calculators.
సిప్ అంటే ఏమిటి?
సిప్ (సిస్టమాటిక్ ఇన్వెస్ట్‌మెంట్ ప్లాన్) అంటే మ్యూచువల్ ఫండ్‌లో ప్రతి నెలా ఒకే మొత్తం పెట్టుబడి పెట్టడం. నెలకు ₹5,000 చొప్పున 10 ఏళ్లు, ఏటా 12% రాబడి వస్తే, మీరు పెట్టిన ₹6,00,000 సుమారు ₹11,61,695 అవుతుంది. ఇది అంచనా మాత్రమే: మ్యూచువల్ ఫండ్ రాబడి మార్కెట్‌ను బట్టి మారుతుంది.
What next? తర్వాత ఏం చూడాలి
See all calculators →Results are estimates for planning, at the rates you enter. Check exact figures with your bank, fund house or tax adviser before you decide.
