SIP Returns
Project your mutual fund wealth with compound growth
Gross — expense ratio will be deducted
Increase SIP amount by this % each year. 0 = flat SIP.
Fund Details
Asset Class
Annual fund management fee — deducted from returns. Check fund factsheet.
Charged if redeemed within 1 year. Most equity funds: 1%.
Wealth Growth — 15 Years
Net return 11.50% p.a. after expense ratio of 0.5%
Return Analysis
Total invested
Gross corpus
Total gains
LTCG / Tax on gains
LTCG equity: 12.5% above ₹1.25L exemption
Post-tax corpus
Money multiple
CAGR (approx.)
Tips
→ Expense ratio reduces your effective return every year — even 0.5% difference compounded over 20 years is significant. Choose direct plans over regular plans.
→ Even a 10% annual step-up dramatically increases your final corpus. Try it!
→ LTCG on equity MF: 12.5% above ₹1.25L per year. Systematic withdrawal over multiple years can harvest the annual exemption each year.
→ Exit load typically applies only in the first year. Holding longer eliminates this cost.
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FAQ
SIP Returns — FAQ
Common questions about this calculator
Equity mutual funds have historically delivered 12–15% CAGR over 10+ year periods.
Calculations are approximate and for educational purposes only. Excludes surcharge for income above ₹50L. Consult a Chartered Accountant for personalised tax advice.