How much will your SIP grow?
Watch your SIP snowball
- Drag the sliders, watch the curve bend
- The shaded area is growth you didn't earn
- Add a yearly step-up
- Before tax
- ₹50.46 L
- ₹4.06 L tax if you sell it all
- In today's money
- ₹19.36 L
- after tax
- You put in₹18 L36%
- Growth you keep₹28.4 L56%
- Tax₹4.06 L8%
How your money grows
Your inputs
Plans rarely run straight. Add a break, a bonus or an early stop.
Your taxOptional: old regime saves tax if this is an ELSS fund
ELSS funds count under 80C, up to what is left of ₹1.5L, in the old regime only.
What you already holdOptional: see where this SIP leaves your mix
Switch on to see what future amounts will buy at today's prices.
Keep your inputs as a file; it never leaves your device.
What this means
- Every ₹1 becomes ₹2.80.
Why?
You put in ₹18 L over 15 years. Growth on growth adds ₹32.46 L on top.
- From 2037, your money earns more than you put in.
Why?
After this point, growth is doing more of the work than your monthly payments.
- ₹34.83 L to ₹74.86 L if returns land between 8% and 16%.
Why?
Markets don't pay a fixed rate. The shaded fan on the chart shows how far apart good and bad years can leave you.
- Selling it all in 2041 costs about ₹4.06 L in tax, so you keep ₹46.4 L.
Why?
Assumes an equity fund sold in one go. Gains on units held a year or more pay 12.5% above ₹1.25 L a year; units held under a year pay 20%. Both add 4% cess. Selling across several years uses the ₹1.25 L allowance each year and lowers the bill.
- New regime: no 80C, so an ELSS fund gets no tax saving.
Why?
ELSS is only worth its 3-year lock-in for the 80C deduction, which the new regime doesn't allow. Switch to Old to see the saving.
- The last 5 years add ₹27.22 L, 54% of the total.
Why?
Growth builds on itself, so the final years add the most. Stopping early costs more than it looks.
- Raise your SIP 10% a year and reach ₹86.84 L.
Why?
Most salaries rise every year. Raising the SIP with them is the easiest way to grow the final amount.
More details
How it's calculated
Each month's instalment is added at the start of the month and grows at the monthly rate r = annual ÷ 12. With a step-up, the instalment rises once a year.
FV = P × [((1 + r)n − 1) ÷ r] × (1 + r)
“In today's ₹” discounts the corpus by inflation, so you see what it will actually buy.
Tax figures follow Budget 2025 rules, for FY 2025-26 onward.