Mutual Fund Calculator
The following tabs allow you to choose between SIP and lumpsum investment.
Estimated Result
A quick estimate based on your inputs.
Total value (after tax)
₹15,36,533
1.7× your investment
If returns disappoint
If a crash lands
What this means
The 1% expense ratio costs you ₹84,842 over 10 years — 5.0% of what the corpus would otherwise have been. An index fund at a fraction of that fee keeps most of it.
A 30% crash early in a SIP is far less damaging than one at the end — the early instalments buy cheap units and recover, while a late crash hits the whole corpus at once. Your last few years carry the real risk, not your first.
₹8,720 of your gains sit in units bought within the last year, so they're taxed as short-term at the higher rate rather than at 12.5%. Redeeming in stages across financial years reduces this, and reuses the ₹1.25L exemption each year.
Growth over time
Breakdown
- Invested amount₹9,56,24560%
- Estimated returns₹6,46,07640%
Estimates only — not financial advice. Results are based on your inputs and assumptions, and actual outcomes may differ.
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SIP calculator — frequently asked questions
How are SIP returns calculated?
Each monthly instalment compounds for the time it stays invested. At an assumed 12% annual return, ₹10,000 per month for 10 years (₹12 lakh invested) grows to roughly ₹23 lakh. The calculator above simulates month by month, so step-ups and expense ratios are handled exactly rather than with an approximation formula.
What is a step-up SIP and is it worth it?
A step-up (or top-up) SIP raises your monthly contribution by a fixed percentage every year, matching salary growth. A 10% annual step-up can roughly double the final corpus versus a flat SIP over 15–20 years, because the larger later contributions still get years of compounding.
How are mutual fund gains taxed in India?
For equity funds held over a year, gains are long-term capital gains (LTCG): the first ₹1.25 lakh of LTCG per financial year is exempt and the rest is taxed at 12.5%. Gains on units sold within a year are short-term and taxed at 20%. This calculator estimates the LTCG tax on redemption for you.
SIP or lumpsum — which is better?
A lumpsum invested upfront has more time in the market and wins when markets rise steadily, while a SIP averages your purchase cost and reduces timing risk. The SIP tab shows the lumpsum-equivalent figure so you can compare both for the same total investment.
Why does the expense ratio matter?
The expense ratio is the fund's annual fee, deducted from returns before you see them. A 1.5% expense ratio on a 12% gross return leaves you compounding at ~10.5% — over 15 years that is a difference of lakhs. Direct plans typically charge 0.5–1% less than regular plans for the same fund.