Mutual Fund Calculator

Each monthly instalment compounds for the time it stays invested. At an assumed 12% annual return, ₹10,000 per month for 10 years (₹12 lakh invested) grows to roughly ₹23 lakh. The calculator above simulates month by month, so step-ups and expense ratios are handled exactly rather than with an approximation formula.

A step-up (or top-up) SIP raises your monthly contribution by a fixed percentage every year, matching salary growth. A 10% annual step-up can roughly double the final corpus versus a flat SIP over 15–20 years, because the larger later contributions still get years of compounding.

For equity funds held over a year, gains are long-term capital gains (LTCG): the first ₹1.25 lakh of LTCG per financial year is exempt and the rest is taxed at 12.5%. Gains on units sold within a year are short-term and taxed at 20%. This calculator estimates the LTCG tax on redemption for you.

A lumpsum invested upfront has more time in the market and wins when markets rise steadily, while a SIP averages your purchase cost and reduces timing risk. The SIP tab shows the lumpsum-equivalent figure so you can compare both for the same total investment.

The expense ratio is the fund's annual fee, deducted from returns before you see them. A 1.5% expense ratio on a 12% gross return leaves you compounding at ~10.5% — over 15 years that is a difference of lakhs. Direct plans typically charge 0.5–1% less than regular plans for the same fund.