SIP Calculator India: Plan Mutual Fund Returns, Goals & Tax | Calcuary
SIP Calculator
Plan Your Investments
Calculate Systematic Investment Plan projected returns with detailed charts, inflation adjustment, LTCG tax impact, and year-by-year breakdown.
SIP Calculator
Investment • Returns • Projections
Enter your details and click
Calculate Returns to see results
What is a SIP Calculator?
A SIP Calculator (Systematic Investment Plan Calculator) is a free online financial tool that helps you estimate the projected future value of your monthly mutual fund investments. It uses the power of compounding to show how small, regular investments can grow into significant wealth over time.
Our Calcuary SIP Calculator goes beyond basic calculations — it offers Returns Chart, Step-Up SIP (Percentage or Fixed amount), Inflation Adjustment, LTCG Tax Calculation, and Goal Planning with clear market contributions.
How to Use This SIP Calculator
Enter Monthly SIP
Enter the amount you plan to invest every month
Set Illustrative Return
Enter expected annual returns (illustrative assumption)
Choose Duration & Step-Up
Select investment period and annual step-up option
Get Results
Click Calculate to see projected value, taxes, and purchasing power
SIP Calculation Formula
Where:
FV = Projected Future Value | P = Monthly SIP | r = Monthly rate (Annual/12/100) | n = Total months
(This formula assumes SIP at the beginning of each month)
SIP vs FD vs PPF
| Feature | SIP (Equity) | Fixed Deposit | PPF |
|---|---|---|---|
| Average Returns | 10–15% p.a. (Illustrative) | 6–7% p.a. | 7.1% p.a. |
| Risk Level | Medium-High | Zero | Zero |
| Liquidity | Anytime | After maturity | After 15 yrs |
| Tax Benefit | ELSS: 80C | None | 80C + Tax-free |
| Min Amount | ₹100/month | ₹1,000 | ₹500/year |
Benefits of SIP Investment
- Rupee Cost Averaging: Buy more units when markets are low, fewer when high
- Power of Compounding: Your returns earn returns over time
- Disciplined Investing: Regular monthly investments remove timing risk
- Flexibility: Start with ₹100/month. Increase, pause, or stop anytime