Eternexa

SIP Calculator

Project your mutual-fund SIP corpus with a year-by-year growth chart, step-up and goal planning.

Your investment

Step 1 of 2
₹10,000

What are you working out?

10 years
Estimated corpus in 10 years
₹23,00,387

₹10,000 a month at 12%

48%of the corpus is growth
You invest
₹12.00 Lakh
Estimated growth
₹11.00 Lakh
Times your money
1.92×
  • What you invest
  • Estimated growth
What it grows toWhat you investYr 0Yr 3Yr 5Yr 8Yr 10
Corpus valueAmount invested

Where the corpus comes from

Your own money first, then what compounding adds on top of it.

Total invested
₹12,00,000120 monthly instalments
+ Estimated returns
₹11,00,387at 12% a year
= Maturity value
₹23,00,387

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What is a SIP?

A Systematic Investment Plan (SIP) is a way of investing a fixed amount into a mutual fund at regular intervals — usually every month. Instead of trying to time the market, you invest steadily, buy more units when prices are low and fewer when they are high, and let compounding do the heavy lifting over the years.

SIPs are popular with salaried Indians because they turn investing into a habit that fits a monthly pay cheque. This calculator projects how much your SIP could grow to, using an assumed annual rate of return, and shows a year-by-year growth chart so you can see the effect of compounding.

How this SIP calculator works

The calculator uses the standard future-value formula for a series of monthly investments (an ordinary annuity, compounded monthly):

FV = P × [ ((1 + i)ⁿ − 1) / i ]

where:

  • P = your monthly SIP amount
  • i = monthly rate of return = annual return ÷ 12 ÷ 100
  • n = total number of monthly instalments = years × 12

If you add a one-time lumpsum, its compounded value is added on top. If you set an annual step-up, your monthly amount is increased by that percentage every year — a realistic way to model raising your SIP as your salary grows.

A worked example

Invest ₹10,000 per month for 10 years at an assumed 12% per year. You would invest ₹12,00,000 in total, and — at that assumed return — the corpus would grow to roughly ₹23.2 lakh. The extra ₹11 lakh is entirely the effect of compounding your returns month after month.

Goal mode: work backwards from a target

Switch to “Reach a goal” and enter the corpus you want (say ₹1 crore for retirement, or ₹25 lakh for a house down-payment). The calculator solves for the monthly SIP you would need, given your time horizon and assumed return. Adding a lumpsum today lowers the monthly amount required.

Important: returns are an assumption, not a promise

Mutual-fund returns are market-linked and not guaranteed. Equity funds can be volatile in the short term. The percentage you enter here is an assumption to illustrate compounding — actual results will differ. Historically, diversified Indian equity funds have delivered roughly 10–14% over long periods, but the future may look different. Always read the scheme documents and consider your risk appetite.

Frequently asked questions

Is a SIP the same as a mutual fund?
No. A mutual fund is the investment; a SIP is simply a method of investing into it in fixed, regular instalments instead of one lump sum.
Can I stop or pause my SIP?
Yes. SIPs are flexible — you can pause, stop, increase or decrease them at any time. There is no penalty for stopping, though staying invested longer generally helps compounding.
What return should I assume?
It depends on the fund type. Many people use 10–12% for diversified equity funds and 6–7% for debt funds as rough long-term assumptions. Use a conservative number and remember nothing is guaranteed.
What is a step-up SIP?
A step-up (or top-up) SIP increases your monthly contribution by a set percentage each year — for example +10% annually — which can dramatically grow your final corpus as your income rises.
Are SIP returns taxable?
Gains from equity mutual funds are subject to capital-gains tax depending on how long you hold the units. This calculator shows pre-tax growth. Check current tax rules or a professional for your situation.

Related calculators

SIP vs Lumpsum

The same money invested at once vs spread as a SIP — an honest side-by-side of what the math says and what it can’t.

Lumpsum

See what a one-time mutual-fund investment could grow to, with a year-by-year growth chart at your assumed return.

Retirement

Your real retirement number — expenses inflated to 60, the corpus that funds 25 years of them, and the SIP that builds it.

Disclaimer: Eternexa is an independent app and is not affiliated with, endorsed by, or representing the Income Tax Department, the Government of India, or any government entity, and does not provide official government services. This calculator gives an estimate for general information only — it is not financial, investment or tax advice. Tax and finance figures follow FY 2026-27rules and are based on publicly available information from official sources such as incometax.gov.in and epfindia.gov.in. Always verify important numbers with the official source or a qualified professional before acting on them.