SIP Calculator

SIP Calculator — how it works

A Systematic Investment Plan (SIP) lets you invest a fixed amount every month into a mutual fund. This calculator projects what a consistent monthly SIP could grow to, based on your expected rate of return.

How compounding works here

Each monthly instalment grows for a different length of time — your first instalment compounds for the full duration, your last barely compounds at all. The calculator accounts for this using the standard SIP future-value formula rather than a flat average.

Choosing a return assumption

Equity mutual funds have historically returned 10-14% annually over long periods, though any given year can swing well outside that range. Debt funds are typically steadier but lower. Treat the output as a projection, not a promise.

Tax on SIP gains

Equity fund gains held over a year are taxed as long-term capital gains; under a year, as short-term. Debt fund taxation follows different rules — ask us if you're unsure which applies to your fund.

The formula

Why use Pretax's sip calculator

• Current rates. Slabs and limits are reviewed against the current Finance Act.
• Nothing leaves your browser. Every calculation runs on your device — we never see or store what you type.
• Built by working CAs. The same team that files returns for our clients maintains these formulas.
• Free, no signup. No account and no email required to see a result.

Frequently asked questions

Is the return shown guaranteed?

No — it's a projection based on the rate you enter. Actual mutual fund returns vary with the market and are never guaranteed.

Can I increase my SIP amount later?

Yes, most funds allow a top-up SIP that increases your instalment periodically — re-run the calculator with a higher amount to see the impact.