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SIP & Lumpsum Return Calculator

Future value projection at an assumed CAGR — not a guarantee of returns · LTCG @12.5% u/s 112A, STCG @20% u/s 111A

Investment Projection
Projections assume a constant rate compounded monthly (SIP, contribution at start of each month) or annually (lumpsum). Mutual fund returns are market-linked. Equity fund gains: LTCG @12.5% u/s 112A (above ₹1.25 lakh), STCG @20% u/s 111A.
Generated on · TheToolsWala.com · For educational purposes only.

About This Tool

The SIP Calculator projects the future value of monthly SIP (Systematic Investment Plan) investments or a one-time lumpsum investment in mutual funds, based on the investment amount, expected annual return (CAGR), and investment period. SIP investments benefit from rupee cost averaging and the power of compounding. The calculator helps plan for long-term goals like retirement, children's education, or home purchase.

How to Use

  1. Select investment mode: Monthly SIP or Lumpsum.
  2. Enter the monthly SIP amount or one-time lumpsum amount.
  3. Enter the expected annual return % (e.g. 12 for 12% CAGR for equity funds).
  4. Enter the investment period in years.
  5. Click Project corpus — the tool shows total invested, wealth gain, projected corpus, and investment multiple.

Frequently Asked Questions

What is a realistic expected return for equity SIPs?

Historical Nifty 50 CAGR over 10+ year periods has averaged 12–14%. For planning purposes, use a conservative 10–12% for equity, 7–8% for hybrid, and 6–7% for debt funds.

What is rupee cost averaging?

With SIP, you buy more units when markets are low and fewer when they're high, resulting in a lower average purchase cost over time — reducing the impact of market volatility.

Are SIP returns taxable?

Equity mutual fund gains held for more than 12 months are LTCG taxable @12.5% above ₹1.25 lakh (u/s 112A). Short-term gains (held ≤12 months) are taxed @20% u/s 111A.

What is a Step-up SIP?

A Step-up SIP increases the monthly contribution by a fixed % annually (e.g. 10% per year), matching income growth. Increasing the SIP by 10% annually can significantly boost the final corpus.