See how small monthly investments grow into big wealth. Estimate your mutual fund SIP or lumpsum returns, with optional yearly step-up.
SIP & Lumpsum Calculator
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Mutual fund returns are market-linked and not guaranteed. Assumes a constant return with monthly compounding.
How SIP returns are calculated
Each monthly instalment compounds at the expected annual return (converted to an equivalent monthly rate) until the end of the period. With step-up, your SIP amount increases by the chosen percentage every year — a powerful way to keep pace with salary hikes.
Frequently asked questions
What return should I assume?
Many investors use 10–12% for diversified equity funds over long periods, 7–8% for hybrid funds and 6–7% for debt funds. Returns are market-linked and not guaranteed.
What is a step-up SIP?
A step-up SIP increases your monthly investment every year by a fixed percentage. Even a 10% step-up can dramatically increase your final corpus.
How are SIP gains taxed?
Equity fund gains held over 12 months are taxed as LTCG at 12.5% above ₹1.25 lakh per year; short-term gains at 20%.