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SIP Calculator
Enter the monthly amount, the return you expect and the number of years. Add a step-up if you plan to increase the SIP every year.
Value after 10 years₹11,61,695Invested ₹6,00,000, gains ₹5,61,695.
- Total invested
- ₹6,00,000
- Estimated gains
- ₹5,61,695
- Gains share of value
- 48.4%
| Year | Monthly SIP | Invested so far | Value |
|---|---|---|---|
| 1 | ₹5,000 | ₹60,000 | ₹64,047 |
| 2 | ₹5,000 | ₹1,20,000 | ₹1,36,216 |
| 3 | ₹5,000 | ₹1,80,000 | ₹2,17,538 |
| 4 | ₹5,000 | ₹2,40,000 | ₹3,09,174 |
| 5 | ₹5,000 | ₹3,00,000 | ₹4,12,432 |
| 6 | ₹5,000 | ₹3,60,000 | ₹5,28,785 |
| 7 | ₹5,000 | ₹4,20,000 | ₹6,59,895 |
| 8 | ₹5,000 | ₹4,80,000 | ₹8,07,633 |
| 9 | ₹5,000 | ₹5,40,000 | ₹9,74,108 |
| 10 | ₹5,000 | ₹6,00,000 | ₹11,61,695 |
Instalments are assumed to be invested at the start of each month and to grow evenly at the expected rate. Real returns go up and down.
How it is calculated
- Each monthly instalment is invested at the start of the month and grows at the expected yearly return ÷ 12, compounded monthly.
- With a step-up, the monthly amount rises by that percent at the start of every year.
- Gains = final value − total invested. Returns are not guaranteed; mutual-fund returns vary and can be negative.
- Gains on equity funds held over a year are taxed as long-term capital gains; we work that out when you file.
Indicative only. Rules change every year; we confirm before filing.
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