Mutual funds
See what a monthly SIP could grow to, how much of it is your own money, and what it is worth in today's rupees.
Finfod Research DeskUpdated 28 Oct 2026How we check
Maturity value₹50,45,760
The amount that leaves your account each month.
A planning rate, not a fund's promise
How many years you keep paying in.
0% keeps the monthly amount the same
Maturity value, before tax
About ₹50.5 lakh after 15 years
You put in
₹18,00,000
Estimated return
₹32,45,760
In today's rupees
₹22,60,163
12% is a rate you type, not a promise. A mutual fund can lose money.
Selling every unit in one year would mean about ₹4,06,330 in tax, including 4% cess, leaving ₹46,39,430. Long-term gain is ₹32,37,667. Gain on units held 12 months or less is ₹8,093.
Year-by-year
Rupees are rounded. The totals above are rounded once.
| Year | Monthly SIP | Invested this year | Invested so far | Value | In today's rupees |
|---|---|---|---|---|---|
| 1 | ₹10,000 | ₹1,20,000 | ₹1,20,000 | ₹1,28,093 | ₹1,21,415 |
| 2 | ₹10,000 | ₹1,20,000 | ₹2,40,000 | ₹2,72,432 | ₹2,44,767 |
| 3 | ₹10,000 | ₹1,20,000 | ₹3,60,000 | ₹4,35,076 | ₹3,70,517 |
| 4 | ₹10,000 | ₹1,20,000 | ₹4,80,000 | ₹6,18,348 | ₹4,99,141 |
| 5 | ₹10,000 | ₹1,20,000 | ₹6,00,000 | ₹8,24,864 | ₹6,31,132 |
| 6 | ₹10,000 | ₹1,20,000 | ₹7,20,000 | ₹10,57,570 | ₹7,66,998 |
| 7 | ₹10,000 | ₹1,20,000 | ₹8,40,000 | ₹13,19,790 | ₹9,07,272 |
| 8 | ₹10,000 | ₹1,20,000 | ₹9,60,000 | ₹16,15,266 | ₹10,52,505 |
| 9 | ₹10,000 | ₹1,20,000 | ₹10,80,000 | ₹19,48,215 | ₹12,03,275 |
| 10 | ₹10,000 | ₹1,20,000 | ₹12,00,000 | ₹23,23,391 | ₹13,60,184 |
Sources: AMFI: what a SIP is · AMFI investor booklet (SIP illustration) · Income-tax Act, 2025 (Income Tax Department)
Each month the calculator adds your instalment at the start of the month. It then adds one month of growth. It repeats that for every month you stay in.
AMFI describes a SIP as a fixed amount paid into a mutual fund at a set interval, often once a month. The fund buys units at that day’s price. This calculator does not use a changing price. It uses the single return you type.
For a flat SIP, maturity equals the monthly amount, times (((1 + monthly rate) to the power of the months, minus 1) divided by the monthly rate), times (1 + monthly rate). The monthly rate is the yearly return divided by 12. The last part is there because the money goes in at the start of the month.
A step-up has no short formula. The monthly amount rises once a year, and each new amount follows the same month-by-month rule. Today’s rupees are the maturity divided by (1 + inflation) to the power of the years. The SIP itself does not rise with inflation unless you set a step-up.
₹10,000 a month, 12% a year, 10 years, no step-up. You put in ₹12,00,000. The maturity is ₹23,23,391. The estimated return is ₹11,23,391. At 6% inflation, that maturity is about ₹12,97,369 in today’s rupees.
AMFI’s investor booklet uses ₹1,000 a month at 10% for 25 years and shows about ₹13.38 lakh, from ₹3 lakh put in. This calculator gets ₹13,37,890. AMFI marks that figure as an illustration, not a promise.
Tax, on a simpler case: a long-term gain of ₹2.25 lakh. Section 198 of the Income-tax Act, 2025 taxes equity-fund gains above ₹1.25 lakh at 12.5%. The tax is ₹12,500. Cess at 4% is ₹500. The total is ₹13,000. Units held for 12 months or less are short-term under section 2(101), and Section 196 taxes them at 20%.
This is an estimate for learning, not advice. Read the disclaimer.
No. The large number is before tax. The line marked “if you sell it all” is the estimate after equity-fund tax and the 4% cess.
The monthly amount rises once a year. A 10% step-up on ₹10,000 makes the next year ₹11,000 a month. The first year stays at the amount you typed.
It is the maturity divided by inflation over the whole period. The same rupees buy less later. It is not a cut in the return you typed.
No. 12% is only a number you can type. AMFI says a SIP does not protect you if markets fall. A mutual fund can lose money. This page is a calculator, not a forecast.
The return you type here is a compound rate. The CAGR calculator finds that rate from a start value and an end value.
If the SIP is meant to cover your spending one day, the FIRE calculator turns expenses into a corpus and the monthly SIP that gets you there.
The compound annual growth rate, or the future value that a CAGR produces.
Maturity of a PPF account from a yearly deposit, with the 15-year term and optional 5-year extensions.
Maturity of a fixed deposit for years, months and days, with compounding or an interest payout, and tax.
Corpus at 60, the tax-free lump sum and an estimated monthly pension from a monthly NPS contribution.
Tax on shares, equity funds, debt funds, property and gold for one sale.
A lump sum and optional monthly additions, compounded yearly to daily, beside the same money at simple interest.
Capital gains tax in FY 2026-27 on equity, mutual funds, property and gold: holding periods, rates of 12.5% and 20%, and the ₹1.25 lakh line.
A SIP and a lump sum at the same yearly rate, worked on Finfod’s SIP and CAGR calculators. When the lump sum finishes ahead, and when that answer is useless.
How PPF, ELSS and NPS cut tax in FY 2026-27, what they return, and when the new regime makes the deduction worth nothing. Worked on the site’s own calculators.