SIP Calculator

A step-up SIP increases your monthly investment amount by a fixed percentage every year, usually 10%. It can be better than a regular SIP because your income often grows over time and the higher contributions can create a much larger final corpus. For many investors, it is a more realistic way to invest as salary rises.

No. SIP returns are market-linked when invested in mutual funds and are not guaranteed. The 12% annual return often used in examples is a historical long-term assumption for diversified equity funds, not a fixed promise. Short-term performance can be lower or even negative depending on market conditions.

For equity mutual funds, gains held over 12 months are Long-Term Capital Gains taxed at 12.5% on gains above ₹1.25 lakh per year. Gains on units held less than 12 months are Short-Term Capital Gains taxed at 20%. ELSS SIPs can also qualify for Section 80C tax deduction up to the allowed limit.

SIP is better for most salaried investors because it builds discipline, averages entry price and avoids market timing pressure. Lumpsum can work well when you have a large sum ready and valuations are attractive, but SIP is usually the safer default for regular long-term wealth creation.

Yes. Most mutual fund SIPs can be paused temporarily or stopped without penalty. Your existing units remain invested and continue to move with the market, so the value can still grow even after you stop new contributions. This calculator helps you see the opportunity cost of stopping early.