Free Online SIP Calculator (Mutual Fund Wealth Planner)
Project wealth creation from monthly mutual fund SIPs with compound growth, total investment breakdown, and estimated capital returns.
D BIZ SIP (Systematic Investment Plan) Calculator
Calculate the future value of your monthly mutual fund SIP investments and wealth growth.
SIP Investment Settings
Projected Maturity
Monthly Compounding SIP Formula
As of September 30, 2026, capital gains from equity mutual fund SIPs are subject to the 12.5% LTCG rate under Section 112A for units held over 12 months with a ₹1.25 Lakh aggregate annual exemption. Each individual monthly installment is treated as a separate investment for holding period computation (FIFO basis).
Where M is Maturity Amount, P is Monthly Investment, i is Monthly Periodic Interest Rate (Annual Rate ÷ 12 ÷ 100), and n is Total Number of Months (Tenure in Years × 12).
How to Use the SIP & Mutual Fund Compounding Calculator
Set Monthly Investment
Choose how much you plan to invest every month (e.g., ₹5,000, ₹10,000, or ₹50,000).
Specify Expected Annual Return
Set your realistic rate of return based on fund category (e.g., 12% to 15% for equity funds).
Select Investment Horizon
Pick your target tenure from 1 to 30 years to observe exponential compounding effects.
Review Maturity Corpus
Examine total capital invested vs generated wealth gains to plan financial independence.
Key Highlights & Capabilities
Frequently Asked Questions (FAQs)
How does a Systematic Investment Plan (SIP) work?
A SIP allows you to invest a fixed sum into a selected mutual fund scheme on a recurring monthly or quarterly basis. It leverages Rupee Cost Averaging (buying more units when markets fall and fewer when markets rise) and the power of compounding over time.
What average returns can I expect from equity SIPs in India?
Historically, broad market Indian equity indices (Nifty 50 and Sensex) have delivered between 12% and 14% annualized CAGR over 10-15 year horizons. However, past performance does not guarantee future results.
Is there any lock-in period for mutual fund SIPs?
Open-ended equity and debt funds have zero lock-in, meaning you can stop your SIP or redeem units at any time (subject to applicable exit load). Only ELSS (Equity Linked Saving Schemes) carry a mandatory 3-year statutory lock-in period under Section 80C.
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