SIP calculator: what your monthly investment could become
Enter how much you invest each month, for how long, and the return you expect. See what your SIP could grow to.
- Year-by-year growth
- Tax on gains explained
- Free, no sign-up
Invest with the tax in mind
Our experts plan your SIPs, ELSS and withdrawals so gains are taxed as little as the law allows.
Questions people often ask
How is my SIP taxed?
Each instalment is a separate purchase. When you sell equity fund units held over a year, gains above ₹1.25 lakh a year are taxed at 12.5%; under a year, at 20%.
Does an ELSS SIP save tax?
Under the old regime, yes: up to ₹1.5 lakh a year counts for 80C, with a 3-year lock-in for each instalment.
How SIP growth is worked out
Each instalment grows from the month you invest it.
- Monthly rate: your expected yearly return ÷ 12.
- Each instalment compounds every month until the end.
- Total value is the sum of all instalments with their growth.
Example: ₹10,000 a month for 10 years at 12% grows to about ₹23.2 lakh. Returns aren't guaranteed.
Last reviewed 8 October 2026. The rules in this calculator come from these official sources.
- Investor education and calculators Securities and Exchange Board of India
- Mutual fund investor information Association of Mutual Funds in India
- Tax rules for salaried individuals, AY 2026-27 Income Tax Department
Common questions
How is SIP return calculated?
Each monthly instalment grows from the month it's invested. We assume it's invested at the start of the month and grows at your expected yearly return divided by 12, compounding monthly. Most fund-house calculators use this method.
What return should I expect from a SIP?
Nobody can promise one. Equity fund returns vary a lot from year to year and can be negative. Pick a rate you're comfortable planning with, and try a lower one too.
How much will ₹10,000 a month become in 10 years?
About ₹23.2 lakh at 12% a year, from ₹12 lakh invested. At 10%, about ₹20.7 lakh.
How are SIP gains taxed?
For qualifying equity-oriented funds: 20% on gains from units held up to a year, and 12.5% on gains above ₹1.25 lakh a year from units held longer. Debt funds (more than 65% in debt) bought from April 2023 are taxed at your slab rate. Other funds follow other rules.
Is it better to invest monthly or all at once?
A SIP spreads your buying over time and suits a monthly salary. A lumpsum invested earlier has more time to grow, but more risk of buying at a high. Many people do both.
