'); w.document.close(); w.print(); } }; } if (typeof taxgstShareResult === 'undefined') { window.taxgstShareResult = function(id, type) { var el = document.getElementById(id); var text = el ? el.innerText : ''; var url = window.location.href; if (type === 'whatsapp') window.open('https://api.whatsapp.com/send?text=' + encodeURIComponent(text + ' ' + url)); else if (type === 'twitter') window.open('https://twitter.com/intent/tweet?text=' + encodeURIComponent(text) + '&url=' + encodeURIComponent(url)); }; } if (typeof taxgstCopyResult === 'undefined') { window.taxgstCopyResult = function(id) { var el = document.getElementById(id); if (el) { navigator.clipboard.writeText(el.innerText).then(function(){ alert('Copied!'); }); } }; } if (typeof taxgstCalcEMI === 'undefined') { window.taxgstCalcEMI = function(p, r, n) { if (!p || !r || !n) return 0; r = r > 1 ? r / 12 / 100 : r; return p * r * Math.pow(1+r,n) / (Math.pow(1+r,n) - 1); }; } SIP Calculator
calculate Income Tax Calculator
Last updated: 2026-05-04
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SIP Calculator

Calculate Mutual Fund SIP Returns with Growth Table

FY 2026-27
lightbulb Smart Tip: A Systematic Investment Plan (SIP) allows you to invest small amounts regularly in mutual funds. Enter your details below and the results will update automatically on the right.

account_balance_wallet SIP Calculator India: Investment Details

Use our SIP calculator to estimate your mutual fund SIP returns and plan your financial goals for 2026. Adjust the sliders or type values to see real-time results.

Min: ₹500 | Max: ₹10,00,000
₹500 ₹50,000 ₹1,00,000
10 Years
1 Year
3 Years
5 Years
7 Years
10 Years
15 Years
20 Years
25 Years
30 Years
40 Years
Longer duration = Higher returns due to compounding
12% (Equity Mutual Fund)
6% (Debt Fund - Conservative)
8% (Hybrid Fund - Balanced)
10% (Large Cap Equity)
12% (Equity Mutual Fund)
15% (Mid/Small Cap - Aggressive)
Typical: 10-15% for equity funds | 6-8% for debt funds
1% 15% 30%

bar_chart SIP Returns Summary

ParticularsAmount
Monthly SIP₹10,000
Investment Period10 Years
Expected Return Rate12%
Total Amount Invested₹12,00,000
Estimated Wealth Gain₹11,19,872
Total Value at Maturity₹23,19,872
Monthly SIP
10,000
Wealth Gain
93%
52%
48%
₹12,00,000
₹11,19,872
calendar_today Year-wise Growth Breakdown expand_more
build Related Financial Tools

assignment Different SIP Amounts Comparison

info SIP Calculator: Plan Your Mutual Fund Investments

A Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly in mutual funds. It helps in building wealth over time through the power of compounding and rupee cost averaging.

Popular SIP Returns for 10 Years

Monthly SIPInvestment (10Y)Wealth at 12%Wealth at 15%
₹2,000₹2.40 Lakh₹4.64 Lakh₹5.57 Lakh
₹5,000₹6.00 Lakh₹11.60 Lakh₹13.93 Lakh
₹10,000₹12.00 Lakh₹23.20 Lakh₹27.86 Lakh
₹25,000₹30.00 Lakh₹58.00 Lakh₹69.66 Lakh

Benefits of SIP Investment

  • Rupee Cost Averaging: Buy more units when prices are low, fewer when high
  • Power of Compounding: Returns generate returns over time
  • Disciplined Investing: Regular investment habit
  • Flexibility: Start with as low as ₹500/month
  • No Market Timing: No need to time the market

Frequently Asked Questions about SIP Calculator

Find answers to common questions about sip calculator. Click on any question to expand the answer.

A SIP (Systematic Investment Plan) calculator is a tool that helps you estimate the future value of your mutual fund SIP returns. It shows how your small, regular investments can grow over time with the power of compounding in 2026.

The calculator uses the standard future value formula, taking into account your monthly investment amount, the expected annual rate of return, and the investment duration (in years).

Historically, equity mutual funds have delivered returns in the range of 12-15% per annum over the long term. However, past performance is not indicative of future returns. It's advisable to use a conservative rate for planning.

Yes, our calculator offers both a slider for quick adjustments and a manual input field for precise values, giving you full control over your calculations.

No, this calculator is a tool for estimation and illustration purposes only. Mutual fund investments are subject to market risks, and the actual returns may vary.

gavel Legal Disclaimer

This calculator is for informational and educational purposes only. Investment returns are illustrative and based on assumed rates that may vary. Market-linked investments carry risk and past performance does not guarantee future returns. Interest rates on small savings schemes are reviewed quarterly by the Government of India. This tool should not be considered as financial advice. Consult a SEBI-registered financial advisor before making investment decisions.

verified Source: SEBI / Ministry of Finance, Govt. of India • Last updated: 2026-05-04

update Latest Updates & Regulatory Changes

UPDATED

trending_up Small Savings Rates Q1 2026-27

The Government of India reviews small savings scheme interest rates quarterly. PPF rate is 7.1%, Senior Citizens Savings Scheme is 8.2%, and Sukanya Samriddhi is 8.2% for Q1 FY 2026-27.

NEW

account_balance NPS Tier-I Tax Benefit Enhanced

Under the New Tax Regime, NPS employer contribution deduction under Section 80CCD(2) continues to be available. Under the Old Regime, additional ₹50,000 deduction under 80CCD(1B) is also available.

description Terms, Rules & Regulations

gavel

SEBI & RBI Regulations

Mutual fund investments are regulated by SEBI, and small savings schemes by the Ministry of Finance through RBI. Interest rates on government schemes are reviewed quarterly. Returns on market-linked instruments are not guaranteed and subject to market risks.

verified_user

Rate Assumptions

Investment calculators use assumed rates of return for illustration purposes. Actual returns on market-linked investments (mutual funds, equities) will vary. Small savings scheme rates are as per the latest quarterly notification by the Government of India.

policy

Tax on Investment Returns

Capital gains tax, dividend taxation, and interest income taxation rules apply as per the Income Tax Act, 2025. LTCG, STCG, and debt fund taxation rules have been updated. Consult a tax professional for personalized guidance on investment tax implications.

`;printWindow.document.write(html); printWindow.document.close(); setTimeout(() => { printWindow.print(); }, 250); }function sipExportPDF() { sipPrintComputation(); }function sipExportExcel() { const data = sipLastCalculation; if (!data.monthly) { alert('Please calculate SIP first'); return; }const monthlyReturn = (data.annualReturn / 100) / 12;let csvContent = 'SIP Returns Report\n'; csvContent += 'Generated On,' + new Date().toLocaleDateString('en-IN') + '\n\n'; csvContent += 'Investment Details\n'; csvContent += 'Monthly SIP,' + data.monthly + '\n'; csvContent += 'Investment Period (Years),' + data.years + '\n'; csvContent += 'Expected Annual Return (%),' + data.annualReturn.toFixed(1) + '\n\n'; csvContent += 'Returns Summary\n'; csvContent += 'Total Invested,' + Math.round(data.totalInvested) + '\n'; csvContent += 'Estimated Returns,' + Math.round(data.returns) + '\n'; csvContent += 'Total Value,' + Math.round(data.totalValue) + '\n'; csvContent += 'Wealth Gain (%),' + data.wealthGain.toFixed(1) + '\n\n'; csvContent += 'Year-wise Growth\n'; csvContent += 'Year,Invested,Value,Returns\n';for (let y = 1; y <= data.years; y++) { const months = y * 12; const value = data.monthly * ((Math.pow(1 + monthlyReturn, months) - 1) / monthlyReturn) * (1 + monthlyReturn); const invested = data.monthly * months; const ret = value - invested; csvContent += y + ',' + Math.round(invested) + ',' + Math.round(value) + ',' + Math.round(ret) + '\n'; }csvContent += '\nDisclaimer\nThis is for informational purposes only. Mutual fund investments are subject to market risks.\n';const blob = new Blob([csvContent], { type: 'text/csv' }); const url = URL.createObjectURL(blob); const a = document.createElement('a'); a.href = url; a.download = 'sip-returns-report-' + data.years + 'Y-' + data.annualReturn + 'pct.csv'; a.click(); URL.revokeObjectURL(url); }// Dropdown z-index fix (reuses same pattern as income-tax-calc) function toggleItDropdown(dropdownId) { const dropdown = document.getElementById(dropdownId); document.querySelectorAll('.custom-dropdown').forEach(d => { if (d.id !== dropdownId) { d.classList.remove('open'); const parentGroup = d.closest('.taxgst-form-group'); if (parentGroup) parentGroup.style.zIndex = ''; } }); dropdown.classList.toggle('open'); const parentGroup = dropdown.closest('.taxgst-form-group'); if (parentGroup) { parentGroup.style.zIndex = dropdown.classList.contains('open') ? '100' : ''; } }// Close dropdowns on outside click document.addEventListener('click', function(e) { if (!e.target.closest('.custom-dropdown')) { document.querySelectorAll('.custom-dropdown').forEach(d => d.classList.remove('open')); document.querySelectorAll('.taxgst-form-group').forEach(fg => fg.style.zIndex = ''); } });// Auto-calculate on page load document.addEventListener('DOMContentLoaded', function() { calculateSIP(); });
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