SIP Return Calculator India — CAGR & Absolute Return Analysis
Mutual Fund SIP Returns — Step-Up, Goal Planning, Inflation Adjusted
Many investors confuse absolute return with CAGR — a 100% absolute return over 10 years sounds great, but the XIRR is just 7.2% CAGR (barely beats FD). This SIP return calculator shows both metrics clearly: absolute gain (how much profit), CAGR (annualised return rate) and XIRR (real return accounting for monthly investment timing). Compare your expected returns across 5, 10, 15 and 20-year scenarios.
📈 Basic SIP Calculator
📅 Year-wise Growth Projection
| Year | Monthly SIP | Total Invested | Portfolio Value | Gains | Return % |
|---|---|---|---|---|---|
| 1 | ₹5,000 | ₹60,000 | ₹64,047 | ₹4,047 | 6.7% |
| 2 | ₹5,000 | ₹1,20,000 | ₹1,36,216 | ₹16,216 | 13.5% |
| 3 | ₹5,000 | ₹1,80,000 | ₹2,17,538 | ₹37,538 | 20.9% |
| 4 | ₹5,000 | ₹2,40,000 | ₹3,09,174 | ₹69,174 | 28.8% |
| 5 | ₹5,000 | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 | 37.5% |
| 6 | ₹5,000 | ₹3,60,000 | ₹5,28,785 | ₹1,68,785 | 46.9% |
| 7 | ₹5,000 | ₹4,20,000 | ₹6,59,895 | ₹2,39,895 | 57.1% |
| 8 | ₹5,000 | ₹4,80,000 | ₹8,07,633 | ₹3,27,633 | 68.3% |
| 9 | ₹5,000 | ₹5,40,000 | ₹9,74,108 | ₹4,34,108 | 80.4% |
| 10 | ₹5,000 | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 | 93.6% |
| 11 | ₹5,000 | ₹6,60,000 | ₹13,73,074 | ₹7,13,074 | 108.0% |
| 12 | ₹5,000 | ₹7,20,000 | ₹16,11,261 | ₹8,91,261 | 123.8% |
| 13 | ₹5,000 | ₹7,80,000 | ₹18,79,656 | ₹10,99,656 | 141.0% |
| 14 | ₹5,000 | ₹8,40,000 | ₹21,82,090 | ₹13,42,090 | 159.8% |
| 15 | ₹5,000 | ₹9,00,000 | ₹25,22,880 | ₹16,22,880 | 180.3% |
How to Use SIP Calculator India
Enter your monthly investment amount, expected return rate, and investment period. Choose from Basic SIP, Step-Up SIP, Goal Planner or Fund Comparison modes. Get instant results — maturity amount, wealth gain, year-wise growth chart, and XIRR — to plan your mutual fund investments smartly.
SIP Returns Formula — How It Works
SIP Maturity Formula: M = P × [(1 + r)ⁿ − 1] / r × (1 + r)
Where P = monthly SIP, r = monthly rate (annual% ÷ 12), n = total months.
Example: ₹10,000/month at 12% p.a. for 10 years → Maturity ₹23,23,391 from ₹12,00,000 invested (₹11,23,391 gains).
Real-Life SIP Use Cases
🏠 Home Down Payment: ₹5,000/mo for 5 years 12% → ₹4.1L for 20% down on ₹20L flat.
👴 Retirement Corpus: ₹15,000/mo for 25 years 12% → ₹2.8 Crore retirement fund.
🎓 Child Education: ₹8,000/mo for 15 years 13% → ₹46L for college + abroad education.
🚗 Dream Car / Travel: ₹3,000/mo for 3 years 10% → ₹1.25L for big purchase.
Key Takeaways — SIP Calculator
- ✅ SIP uses rupee cost averaging — you buy more units when markets fall, fewer when markets rise.
- ✅ Higher tenure = exponential growth. ₹5,000/mo for 20 years 12% = ₹49.9L (vs ₹12L invested).
- ✅ Step-Up SIP by 10% annually nearly doubles your corpus vs flat SIP over 20 years.
- ✅ Inflation-adjusted returns show real purchasing power — important for retirement planning.
- ✅ Large Cap funds: 10–12% CAGR historically. Mid Cap: 13–16%. Small Cap: 15–20%.
- ✅ ELSS SIP saves tax under Section 80C — up to ₹46,800/year at 30% slab.
Frequently Asked Questions
What is a good CAGR for a mutual fund SIP?
By asset class: equity large-cap 10–13%, mid-cap 12–16%, small-cap 14–18% (with higher risk). Hybrid 8–11%. Debt 6–8%. Any equity SIP consistently above 12% CAGR over 10+ years is considered good. Don't compare equity SIP to FD — compare over same time horizon.
How is SIP return different from FD return?
FD return is guaranteed — you know exact maturity. SIP return is market-linked — actual returns vary. But historically, 15-year equity SIP has always outperformed FD. SIP also benefits from compounding on gains. Key difference: FD = capital protection, SIP = wealth creation.
What is absolute return vs CAGR in SIP?
Absolute return = (final value − invested amount) ÷ invested amount × 100. CAGR = ((final/initial)^(1/n) − 1) × 100 where n = years. Example: ₹1.2L invested over 10 years becomes ₹2.5L. Absolute return = 108%. CAGR = 7.6% p.a. Always use CAGR for comparison.
Is SIP return taxable in India?
Yes. Equity fund SIP: LTCG 12.5% on gains above ₹1.25L/year (if held 1+ year per unit). STCG 20% if redeemed before 1 year. Debt fund SIP: gains added to income and taxed at slab rate (effective from April 2023). ELSS SIP: exempt under Section 80C but LTCG applies on maturity.