SIP Calculator — Plan Your Mutual Fund Returns
Calculate how much your monthly SIP investments will grow over time. Uses accurate compound interest formula with Indian rupee formatting.
Last Updated: May 2026
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Fact-checked & Reviewed by EasyLedger Editorial Team
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Adjust Your SIP Plan
₹500
₹1,00,000
1%
30%
1 Year
30 Years
How it works: SIP returns are calculated using the compound interest formula:
M × [(1+r)^n - 1] / r × (1+r), where M = monthly amount, r = monthly rate, n = total months.
Your SIP Results
Total Value
₹11.6L
Invested Amount
₹6,00,000
Estimated Returns
₹5,61,695
Total Future Value
₹11,61,695
Frequently Asked Questions (FAQ)
What is a Systematic Investment Plan (SIP)?
An SIP is a method of investing a fixed sum of money regularly (monthly or quarterly) in mutual funds. It allows you to build wealth over the long term without trying to time the stock market.
What is the minimum monthly amount to start an SIP?
In India, you can start a monthly SIP with as little as ₹500. Some mutual schemes even allow starting an SIP with ₹100 per month.
Are mutual fund SIP returns taxable in India?
Yes, equity mutual fund returns are taxed as Capital Gains. Short-Term Capital Gains (STCG) on units held for less than 1 year are taxed at 20%. Long-Term Capital Gains (LTCG) on units held for over 1 year are taxed at 12.5% for gains exceeding ₹1.25 Lakhs per year.
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