Mutual funds · SIP or lump sum

SIP calculator

What investing a fixed amount every month could grow into, and how much of that is growth rather than your own money.

How you invest

Amount each month Expected return — per year, %

For how long — years

Year by year

What to know

Returns are not steady in real life. This assumes the same return every year. Equity funds rise and fall; the figure is a way to compare, not a promise.

Gains are taxed when you sell, at a rate that depends on the kind of fund and how long each instalment was held — every SIP instalment has its own holding period. The app's capital gains tool works out the tax under this year's rules.

A SIP here is invested at the start of each month, the usual convention.

While you are here

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When the sums stop being the hard part

We file it for you

A calculator tells you the number. Getting it onto the right form, with the right proofs, before the right date, is the part people ask us for.

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