SIP Calculator
Monthly SIP → final corpus, at your expected annual return. Uses annuity-due (contribution at start of month).
Long-run Indian equity index has averaged ~11–13% CAGR
For the 'in today's ₹' preview only — doesn't change SIP math
Post-tax figure assumes you sell everything in one year. Redeeming via SWP over multiple years lets you claim the ₹1.25L exemption every year — usually lower total tax. See the SWP calculator.
Start this SIP in a few minutes, fully online.
The main NetCorpus India planner rolls this into a 50-year retirement plan alongside your loans, EPF, taxes, trips, and life goals.
A Systematic Investment Plan (SIP) is a fixed amount invested every month into a mutual fund. This calculator projects what a monthly SIP grows into at a given return, and what that's worth once inflation is stripped out.
The math is a future value of an annuity-due (each instalment is assumed to go in at the start of the month, which is how most SIP debits actually work). Monthly return = annual return ÷ 12; the corpus compounds every month as new instalments are added. The 'in today's ₹' figure then discounts that future corpus back by your assumed inflation rate, so you're comparing purchasing power, not just a bigger-looking number.
₹10,000/month for 15 years at 12% p.a. grows to about ₹50.5L — of which ₹18L is what you actually put in and ₹32.5L is growth. At 7% assumed inflation, that ₹50.5L is worth roughly ₹18.3L in today's rupees — a useful reality check on what the final number actually buys.
Is 12% a realistic SIP return assumption in India?▾
Long-run Nifty/Sensex index returns have averaged roughly 11–13% CAGR over multi-decade periods, but any single 10–15 year window can land meaningfully below or above that. 12% is a reasonable planning default, not a guarantee — worth stress-testing at 9–10% too.
Does this account for tax on the SIP gains?▾
The main result is pre-tax. If you switch to the 'withdrawn as a single lump' view, it applies LTCG at 12.5% above the ₹1.25L annual exemption (per Union Budget 2024 equity taxation rules) to show a realistic post-tax number.
Why does the calculator assume the SIP date is the start of the month?▾
Because that's how most bank SIP mandates actually execute — the debit usually happens in the first few days of the month, so each instalment gets (very slightly) more time to compound than if it went in at month-end.