Aarambha: Learn & InvestA SIP puts the same amount into a mutual fund every month. Every rupee keeps growing for as long as it stays invested, so starting early matters more than anything. Try different amounts, years and returns to see how much time, and raising your SIP each year, can add.
Your numbers
Ten thousand rupees
An assumption, not a promise. Returns vary a lot from year to year.
Use 0 to keep it flat.
Could grow to, in 20 years
₹76,56,969
3.2× what you put in, at an assumed 10% a year.
- You put in
- ₹24,00,000
- Estimated gains
- ₹52,56,969
- If returns are 8% instead
- ₹59,29,472
Assumptions · Checked 5 November 2026 by Prashanth Sekhar
Estimates for education, not tax, legal or investment advice. Report a wrong number
Understand your result
A SIP invests the same amount every month. Each instalment starts compounding the day it goes in, so the early ones do most of the work: in a 20-year SIP, the first year's money grows for 20 years and the last year's for one.
That is why time matters more than the exact return. Ten extra years usually adds more than a few extra percentage points, and raising the SIP as your salary grows (a step-up) adds a lot for little effort.
A common mistake
Treating the projected value as a promise. Equity returns arrive unevenly, and some 5-year stretches lose money. Use a modest return, and look at the result as a range, not a number.
How it's worked out
Each month: value = (value + SIP) × (1 + yearly return ÷ 12). The SIP rises by the step-up once a year.
Assumptions
- The return is the same every month; real markets never are. Mutual fund investments are subject to market risks.
- Each SIP goes in at the start of the month. Tax, exit loads and fund costs beyond the return are left out.
Sources
Updates
- 5 November 2026: Published. Rules checked against the Income-tax Act, 2025, the Finance Act, 2026 and the official October to December 2026 rates.
Questions people ask
What return should I assume for an equity SIP?
Use something modest, like 10% to 12% a year for a diversified equity fund over 15 years or more, and try a lower number too. Debt funds and hybrids should use lower rates.
What is a step-up SIP?
A SIP that rises once a year, usually by 5% to 10%, to keep pace with your salary. Try the step-up field to see how much it adds.
Is the SIP value after tax?
No. Gains on equity funds above ₹1.25 lakh a year are taxed at 12.5% when you sell after a year. This calculator shows the value before tax.
Does it matter which date my SIP runs on?
Very little over the long run. What matters is not stopping the SIP when markets fall.