Mutual Fund SIP Tool Updated for FY 2026-27 (April 2026)

SIP Calculator — Calculate Mutual Fund Maturity

Estimate your monthly Systematic Investment Plan (SIP) returns, capital growth, and future wealth corpus with high-precision compounding and annual step-up projections.

SIP Investment Parameters

Drag sliders or enter values

Monthly Investment (₹)

₹

Min ₹500

Max ₹5 Lakh

Expected Annual Return (p.a. %)

30%

Time Period (Years)

Yrs

1 Year

40 Years

Annual Step-Up Increment (%) Increase monthly deposit every year

Expected Future Value (Maturity Amount)

Estimated maturity after

Total Invested

Est. Wealth Gain

Investment vs Growth Split

Year-by-Year Wealth Growth Projection

Visual compounding trajectory over your -year investment horizon

Compounding Magic ✨

Year	Monthly Deposit	Annual Deposit	Cumulative Invested	Interest Earned	Year-End Corpus

SIP Performance Matrix (at 12% Expected Return)

Quick estimate of final maturity corpus at different monthly deposit levels

Monthly SIP	5 Years	10 Years	15 Years	20 Years	25 Years
₹2,500 / mo	₹2.06 Lakh	₹5.80 Lakh	₹12.61 Lakh	₹24.97 Lakh	₹47.44 Lakh
₹5,000 / mo	₹4.12 Lakh	₹11.61 Lakh	₹25.22 Lakh	₹49.95 Lakh	₹94.88 Lakh
₹10,000 / mo	₹8.24 Lakh	₹23.23 Lakh	₹50.45 Lakh	₹99.91 Lakh	₹1.89 Crore
₹25,000 / mo	₹20.62 Lakh	₹58.08 Lakh	₹1.26 Crore	₹2.49 Crore	₹4.74 Crore

The 15-15-15 Rule

Invest ₹15,000 monthly for 15 years at an expected 15% annual return to reach a ₹1 Crore corpus!

Annual Step-Up Advantage

Increasing your monthly deposit by just 10% every year almost doubles your final maturity wealth.

Taxation of SIP Returns (2026)

Equity Mutual Funds: LTCG above ₹1.25 Lakh per year is taxed at 12.5%. STCG (< 1 Yr) is taxed at 20%.

Frequently Asked Questions (FAQ)

Everything you need to know about Systematic Investment Plans in India

A SIP (Systematic Investment Plan) calculator is a smart online financial tool that estimates the maturity corpus and wealth gains of your monthly mutual fund investments based on compounding interest rates.

Rupee Cost Averaging means you automatically buy more mutual fund units when market prices drop and fewer units when prices rise, lowering your average cost per unit over time without timing the market.

The formula used is: FV = P × [((1 + i)^n - 1) / i] × (1 + i) where P is monthly deposit, i is monthly interest rate, and n is number of months.

iHisab — SIP Calculation Report

Website: https://ihisab.in | Generated: 25 Jul 2026

FY 2026-27

Monthly Deposit

Expected Return

Investment Tenure

Total Maturity Value

Total Invested:

Est. Wealth Gain:

Disclaimer: This report is generated by iHisab.in for illustrative purposes based on compounding formulas. Mutual fund returns are subject to market conditions.