SIP projection
Estimated value
₹11,61,695
| You invest | |
| Estimated gain |
Assumes the same return every year and an instalment at the start of each month. Before tax.
SIP calculator
Enter a monthly amount, an expected return and how long you’ll invest. You’ll see what it could grow to.
Common questions
Is the return guaranteed?
No. Mutual fund returns go up and down with the market. The calculator assumes the same return every year, which real funds never deliver. Use it to compare scenarios, not as a promise.
What return should I assume?
Try a few. Equity funds have historically returned more than debt funds over long periods, with far bigger swings along the way. Checking 8%, 10% and 12% gives a sensible range.
How are SIP gains taxed?
For equity funds held over a year, gains above ₹1.25 lakh in a financial year are taxed at 12.5%. Gains on units sold within a year are taxed at 20%.
Estimates for planning only, not financial or tax advice. Kyun is independent and not linked to the Government of India. Rates and rules last checked 20 October 2026.
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