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SIPCalculator
See how a monthly SIP can grow over time — total invested, estimated returns, and maturity value, worked out instantly.
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Rajput Lalit & Associates
GST • Income Tax • Accounting — Ambala City, Haryana
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SIP Calculator — Report
Estimated Maturity Value
₹50,45,760
Investing ₹10,000/month for 15 years at an assumed 12% annual return, you invest a total of ₹18,00,000 and could earn an estimated ₹32,45,760 in returns.
Investment Breakdown
Year-wise Growth
| Year | Invested | Value |
|---|---|---|
| 2 | ₹2.40 L | ₹2.72 L |
| 4 | ₹4.80 L | ₹6.18 L |
| 6 | ₹7.20 L | ₹10.58 L |
| 8 | ₹9.60 L | ₹16.15 L |
| 10 | ₹12.00 L | ₹23.23 L |
| 12 | ₹14.40 L | ₹32.23 L |
| 14 | ₹16.80 L | ₹43.64 L |
| 15 | ₹18.00 L | ₹50.46 L |
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Disclaimer: Mutual fund investments are subject to market risk. This calculator assumes a constant annual return for simplicity — actual returns fluctuate and are never guaranteed. This is for general guidance only and is not investment advice.
SIP is a plan, not just a number
The maturity value above assumes a constant annual return, which real markets never give you in a straight line. What matters more than the exact figure is the discipline of investing every month regardless of market mood — that is what rupee-cost averaging is designed to reward.
Remember that equity mutual fund gains are taxable — long-term capital gains if held over 12 months, short-term if sold earlier — and this affects your real, post-tax return. If you're unsure how your investments fit into your overall tax picture, our income tax filing team can help.
Planning a loan alongside your investments? Try our Home Loan EMI Calculator or general EMI Calculator.
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Book a Free ConsultationFrequently Asked Questions
How is SIP maturity value calculated?
SIP maturity value uses the future-value-of-annuity formula: FV = P × [((1+i)^n − 1) / i] × (1+i), where P is your monthly investment, i is the expected monthly rate of return (annual rate ÷ 12 ÷ 100), and n is the total number of months. This assumes an investment made at the start of every month and a constant rate of return.
What rate of return should I assume for equity mutual funds?
There is no guaranteed rate — equity mutual fund returns fluctuate with the market and past performance never guarantees future results. Many investors use a conservative 10-12% long-term assumption for equity funds when planning, but you should check a fund's actual category and long-term track record rather than assuming one number.
Is SIP better than a lump sum investment?
SIP works well when you don't have a large lump sum, and it averages your purchase cost across market ups and downs (rupee-cost averaging), which reduces the risk of investing everything at a market peak. A lump sum can outperform in a rising market, but SIP is generally the more disciplined, lower-stress approach for salaried and business income.
Are SIP returns taxable?
Yes. Each SIP instalment is treated as a separate investment for capital gains purposes. Equity mutual fund units held over 12 months qualify for long-term capital gains treatment; units held less than 12 months are taxed as short-term gains. Debt fund taxation rules differ — talk to us if you need the exact treatment for your fund type.
Is this calculator giving me investment advice?
No — this tool only projects a maturity value based on the numbers you enter and an assumed constant return; it is not a recommendation to invest in any specific fund or scheme. Mutual fund investments are subject to market risk, and actual returns will differ from this estimate.
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