What is a SIP Calculator?
A SIP (Systematic Investment Plan) Calculator estimates the future value of regular monthly mutual fund investments. It shows how small, consistent monthly investments grow into significant wealth through the power of compounding over time.
Benefits of Using Rupee Logic SIP Calculator
Wealth Projection
See exactly how your monthly SIP grows over 5, 10, 20, or 30 years with realistic return assumptions.
Step-Up SIP
Simulate annual SIP increases to reflect salary growth — dramatically boosts your final corpus by 40-60%.
Compare Scenarios
Instantly compare different SIP amounts, return rates, and tenures to find the right investment plan.
LTCG Tax Clarity
Understand LTCG at 12.5% above ₹1.25L gains on equity mutual funds after Budget 2024.
Frequently Asked Questions — SIP Calculator
There is no minimum good amount — you can start with as little as ₹500/month. A practical starting point: if you earn ₹50,000/month, investing 20% (₹10,000) in SIP is healthy. A ₹5,000/month SIP at 12% return for 25 years grows to approximately ₹95 lakh. The key is consistency and annual step-ups of 10%.
For equity mutual funds (large-cap/index), use 10-12% CAGR as a conservative assumption. For mid/small-cap funds, 12-15% is often assumed with higher volatility. Nifty 50 has historically delivered ~12% CAGR over 20+ years. Always use conservative estimates (10-11%) for financial planning to avoid overshooting.
SIP is an investment method, not a product. When you SIP into equity mutual funds, returns are market-linked and not guaranteed — short-term losses are possible. However, historically, equity SIPs held for 10+ years have always delivered positive returns in India. SIP in debt or liquid funds is relatively safer but offers lower returns.
A Step-Up SIP automatically increases your monthly SIP by a fixed percentage every year. Starting with ₹10,000 and increasing by 10% annually: by year 10, you invest ₹25,937/month. This mirrors salary growth and can boost your final corpus by 40-60% compared to a flat SIP. Use our Step-Up feature to see the dramatic difference.
Long-Term Capital Gains on equity mutual funds held for over 1 year are taxed at 12.5% for gains exceeding ₹1.25 lakh per financial year (Budget 2024). Short-term gains held less than 1 year are taxed at 20%. Each SIP instalment has its own purchase date for LTCG calculation purposes — important for planning redemptions.