SIP Calculator India 2026

SIPs help investors benefit from rupee cost averaging and long-term compounding, which suits disciplined wealth creation in Indian equity markets. Returns are market-linked and not guaranteed — this calculator projects an outcome from your assumed return rate, not a promised one.

A step-up SIP increases your monthly investment by a fixed percentage every year (commonly 5-10%), helping your contributions keep pace with salary growth. Even a modest annual step-up can meaningfully increase the final corpus over 10-20 years compared to a flat SIP.

For equity mutual funds: long-term capital gains (holding over 1 year) above ₹1,25,000/year are taxed at 12.5%; short-term gains (under 1 year) are taxed at 20%. These rates apply to transfers on or after 23 July 2024 under the Finance (No. 2) Act, 2024 (Sections 111A/112A). Debt fund gains are taxed at your income tax slab rate.

Yes. NRIs can invest in Indian mutual funds through SIPs using NRE or NRO accounts, subject to FEMA regulations and the specific fund house's NRI policy. Tax treatment and repatriation rules can differ from resident investors — confirm with your fund house before investing.

A SIP spreads investment across months, reducing timing risk and market-entry pressure — useful when investing from regular income. A lump sum can work well if you already hold cash and can tolerate short-term volatility. Neither guarantees higher returns; the better choice depends on your cash flow and risk tolerance.