SIP Calculator
Project what a monthly mutual fund investment could grow to, with an optional annual step-up. The return you enter is an assumption, not a promise — markets deliver neither smoothly nor reliably.
Maturity value
₹23,23,391
after 10 years at the return you assumed
You invest
₹12,00,000
Estimated gains
₹11,23,391
Absolute return
93.6%
total gain on money in
Annualised (XIRR)
12.67%
money-weighted
How it builds up
- Invested51.6%
- Gains48.4%
Maturity value
₹23,23,391
Gains
₹11.2 L
What the number above does not tell you
A maturity figure is only half the picture. These are the terms attached to it.
- Risk
- High
- Guaranteed by
- None — returns depend entirely on market performance
- Lock-in
- None, except ELSS funds (3 years)
- Liquidity
- High — redeemable on any business day
- Tax treatment
- Equity: 12.5% LTCG above ₹1.25 lakh a year after 12 months. Debt: taxed at your slab rate.
Worth weighing before you commit
- The return you enter is an assumption. Past performance does not predict future returns, and no fund guarantees anything.
- Real returns are never smooth — a 12% average can mean −20% one year and +35% the next. Sequence matters if you need the money on a fixed date.
- Expense ratios, exit loads and taxes all reduce what you actually receive; this projection is before costs and tax.
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Please note: this is a calculator, not financial advice, and we are not an adviser, broker or distributor. The figures are arithmetic on the inputs you supply. The return you enter is an assumption; past performance does not predict future returns and no market investment guarantees a result. Taxation depends on your own circumstances and on rules that change. For a decision of any size, speak to a SEBI-registered investment adviser or a qualified chartered accountant.