About SIP Return Calculator
A SIP (Systematic Investment Plan) is one of the easiest ways to start investing in mutual funds — you invest a small, fixed amount every month, and let it grow over the years. Most SIP calculators show you a big final number and stop there. This one goes a step further and shows what you'll actually take home after tax — because that's the number that really matters.
Why We Built This Calculator
When you sell your mutual fund investment, any profit you've made is taxed. Most online SIP calculators skip this step entirely and just show you a large, exciting pre-tax number. That can be misleading — the amount you actually receive in your bank account is usually smaller, sometimes by a lot.
We built this calculator to close that gap. Enter your monthly (or yearly, or one-time) investment, expected return, and how long you plan to stay invested — and you'll see both the pre-tax and the post-tax corpus, side by side, with a full breakdown of exactly how the tax was worked out.
What Makes This Calculator Different
It handles the way you actually invest. Choose a monthly SIP, a yearly SIP, or a one-time lumpsum investment. If you plan to increase your SIP amount every year (a "step-up" SIP), it accounts for that too.
It gets equity and debt fund tax rules right. For equity mutual funds, gains on units held for over 12 months are taxed at a lower rate (currently 12.5%, with the first ₹1.25 lakh of gains in a year tax-free) — this is called Long Term Capital Gains, or LTCG. Units held for under 12 months are taxed at a higher rate (currently 20%) — Short Term Capital Gains, or STCG. Debt mutual funds work differently: gains are added to your income and taxed at your regular income-tax slab rate. This calculator applies the correct rule automatically based on what you tell it.
It shows its work. Instead of a single black-box number, you get a full breakdown — how much you invested, how much you gained, how the tax was calculated step by step, and what you're left with.
Who This Calculator Is For
Anyone investing in Indian mutual funds who wants a realistic picture before they commit — whether you're starting your very first SIP, saving for a goal like a house or your child's education, or simply comparing what an equity fund versus a debt fund would leave you with after tax. No prior investing or tax knowledge is assumed.
Frequently Asked Questions
What is a SIP?
SIP stands for Systematic Investment Plan. Instead of investing a large amount all at once, you invest a small, fixed amount every month into a mutual fund. Over many years, this adds up — and the returns on your earlier investments compound over time.
Why does tax matter for SIP returns?
When you eventually sell your mutual fund units, any profit you made (called a "capital gain") is taxed. How much tax you pay depends on how long you held the investment and what type of fund it is. This can take a meaningful bite out of your final amount — often ₹1-2 lakh or more on a large corpus — so it's worth knowing upfront, not finding out at withdrawal time.
Is this calculator free to use?
Yes, completely free, with no sign-up or login required. Just enter your numbers and calculate.
Do you store or see my financial data?
No. Every calculation happens directly in your browser, on your own device. Your investment amount, returns, and results are never sent to or stored on any server.
Is this financial advice?
No. This calculator is an educational tool to help you understand roughly what you might take home after tax. It is not investment, tax, or legal advice. Please speak with a qualified financial advisor before making investment decisions.