How much will ₹5,000 SIP grow in 10 years?

At 12% expected annual return, a ₹5,000/month SIP over 10 years grows to approximately ₹11.6 lakh on a total investment of ₹6 lakh — generating ₹5.6 lakh in returns (93% gain on investment). At 15% CAGR the corpus reaches ₹13.9 lakh.

What is the tax on SIP returns in 2025?

For equity mutual funds: each SIP instalment is treated separately. Units held over 12 months attract LTCG at 12.5% on gains above ₹1.25 lakh/year (post Budget 2024). Units held under 12 months attract STCG at 20%.

What expected return should I use in SIP calculator?

Conservative estimate: 10% for large-cap equity funds. Moderate: 12% for diversified/flexi-cap funds. Aggressive: 14-15% for mid/small-cap funds. Debt funds: 6-7%. Hybrid: 8-10%. Use 12% as a reasonable baseline for long-term equity SIP projections.

SIP Calculator 2025 — Monthly Investment & Return Calculator

Q: What is the minimum SIP amount in India?

SEBI mandates a minimum SIP of ₹100/month across all mutual fund schemes. However, most AMCs set their own minimum at ₹500/month. There is no maximum SIP limit. Some platforms allow ₹100 daily SIPs.

Q: Is SIP better than fixed deposit?

Over a 5+ year horizon, equity SIPs have historically outperformed FDs significantly. Nifty 50's 20-year CAGR is ~13% vs FD rates of 6-7%. However, SIP returns are market-linked and not guaranteed, unlike FDs which offer assured returns and DICGC insurance up to ₹5 lakh.

📈 SIP & Investment Calculator

CONS8% CAGR

BASE12% CAGR

AGGR15% CAGR

Monthly SIP Amount (₹)

₹10K

Expected Annual Return (%)

12%

Investment Period (Years)

15 yrs

Lumpsum Amount (₹)

₹5L

Expected Annual Return (%)

12%

Investment Period (Years)

10 yrs

Initial Monthly SIP (₹)

₹10K

Annual Step-Up (%)

10%

Expected Annual Return (%)

12%

Investment Period (Years)

15 yrs

Target Goal Amount (₹)

₹1 Cr

Time to Goal (Years)

15 yrs

Expected Annual Return (%)

12%

Inflation Rate (%)

Current Age

Retirement Age

Monthly Expenses Today (₹)

₹80K

Post-Retirement Life Expectancy (yrs)

25 yrs

Pre-Ret. Return (%)

12%

Post-Ret. Return (%)

Inflation Rate (%)

Initial Investment Corpus (₹)

₹1 Cr

Monthly Withdrawal (₹)

₹60K

Expected Annual Return (%)

Inflation Escalation on Withdrawal (%/yr)

Apply Post-Tax (LTCG @ 12.5%)

Show Inflation-Adjusted Returns

Inflation Rate (%) — for real returns

Total Invested

₹18 L

Principal amount

Corpus Value

₹74.9 L

At maturity

Wealth Gained

₹56.9 L

Net of tax

XIRR / CAGR

12.0%

Pre-tax

Tax Outflow

₹4.2 L

LTCG @ 12.5%

Real Returns

5.7%

After inflation

📊 Growth Projection

🧾 India Tax Engine — LTCG Breakdown

Total Corpus (pre-tax)₹74.9 L

Total Invested (cost basis)₹18.0 L

Total Gains₹56.9 L

LTCG Exemption (₹1.25 L/yr)₹1.25 L

Taxable Gains₹55.65 L

LTCG Tax @ 12.5%₹6.96 L

Net Corpus (post-tax)₹67.94 L

🎲 Monte Carlo Probability (1,000 Simulations)

Bear (10th %ile)

—

Worst case

Median (50th)

—

Most likely

Bull (90th %ile)

—

Best case

Simulated with ±5% annual volatility around your expected return. Past performance ≠ future returns.

🔥 FIRE Number Calculator

Required FIRE Corpus₹4.8 Cr

Years to FIRE (at current SIP)—

Safe Withdrawal Rate4%

Monthly Income from FIRE₹80K

MONTHLY EXPENSE TARGET (₹)

₹80K

⚖️ Investment Comparison — Same Period & Principal

Asset Class	CAGR	Corpus	Post-Tax	Real Return

AI INSIGHTS

💡Enter your parameters and click Calculate to get personalized insights.

📌 Smart Benchmarks

Benchmark	10-yr Avg	Note
Nifty 50 TRI	13.5%	Index — large cap
Nifty Midcap 150	16.2%	Higher volatility
PPF	7.1%	Tax-free, sovereign
FD (SBI)	6.8%	Taxable at slab rate
Gold (XAUINR)	11.4%	Volatile, no income
Inflation (CPI)	5.8%	Hurdle rate for real gains

⚠ Disclaimer

All calculators on Finin2min are for informational and illustrative purposes only. Calculations are based on user-provided inputs and standard financial formulas. Results are indicative estimates and may not reflect actual returns, tax liability, or financial outcomes. Tax computations are based on publicly available Indian tax laws (Finance Act 2025) and may not account for all individual circumstances. Finin2min is not a registered financial advisor, CA, tax consultant, or legal professional. Always consult a qualified Chartered Accountant, SEBI-registered advisor, or relevant professional before making financial or tax decisions. Finin2min is not liable for any decisions made on the basis of outputs from these calculators.

How to Use the SIP Calculator

Enter your Monthly SIP Amount, choose your Expected Annual Return (use 10–12% for large-cap equity, 6–7% for debt), and set your Investment Tenure in years. The calculator uses the standard SIP future value formula compounded monthly, showing your total invested amount, estimated corpus, and wealth gain. Use the step-up feature to model annual SIP increases in line with salary growth.

SIP Formula Explained

    FV = P × [(1 + r)ⁿ − 1] ÷ r × (1 + r)

    P = Monthly SIP amount · r = Monthly return (Annual% ÷ 12) · n = Months (Years × 12)

Returns are compounded monthly per AMFI standard. Past performance of indices/funds does not guarantee future returns.

SIP Returns Reference: ₹5,000/month at 12% CAGR

Tenure	Invested	Corpus	Wealth Gain	CAGR on Investment
5 years	₹3,00,000	₹4,12,432	₹1,12,432	37%
10 years	₹6,00,000	₹11,61,695	₹5,61,695	93%
15 years	₹9,00,000	₹25,22,880	₹16,22,880	180%
20 years	₹12,00,000	₹49,95,740	₹37,95,740	316%