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Estimates only — not tax or investment advice. NRI taxation and repatriation rules depend on your country of residence, applicable DTAA treaty, and fund type. Confirm specifics with a qualified CA or your fund's KYC advisor before investing.
Raise your SIP every year in line with income.
Grows your target so it keeps today's buying power.
Equity LTCG is 12.5% above the yearly exemption.
Invested vs projected value
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Which account do I invest from?
Use this for a fresh SIP funded from your foreign income. Both the money you put in and the returns are fully repatriable abroad.
Use this for income earned in India — rent, dividends, a salary before you moved abroad. Repatriation of NRO funds is capped and needs extra paperwork.
On tax: NRI mutual fund investments have tax deducted at source (TDS), and the rate depends on the fund type and how long you hold it. Confirm the current TDS rate with your fund house or CA before investing — don't rely on a fixed number, as rates change.
NRI FAQ
Can NRIs invest in Indian SIPs from the USA, UK or UAE?
Yes, most Indian fund houses accept NRI investors from nearly every country, including the US, UK and UAE, once you complete NRI KYC. A small number of funds restrict US and Canada-based NRIs due to local tax-reporting rules (FATCA), so check that specific fund's eligibility first.
Which bank account do I need — NRE or NRO?
Fund a new SIP from an NRE account if the money is your foreign earnings — it keeps the investment fully repatriable. Use an NRO account if the money already sits in India, such as rent or a former salary; NRO funds can still be sent abroad, just with more paperwork and a lower annual cap.
Is TDS deducted on NRI mutual fund returns?
Yes. Unlike resident investors, NRIs have tax deducted at source on mutual fund gains before the money is paid out. The exact rate depends on whether the fund is equity or debt and how long you held it, and it can change \u2014 confirm the current rate with your fund house or a CA rather than assuming a fixed figure.
Can I repatriate my SIP returns abroad?
If you invested through an NRE account, yes — both your principal and returns can be freely sent abroad. If you invested through an NRO account, repatriation is allowed but capped per financial year and needs a CA certificate confirming taxes are paid.
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Assumes a constant return — real markets move up and down, which is exactly what SIPs are meant to smooth out.
Lumpsum vs SIP growth
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Corpus balance over time
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Frequently asked questions
What is a reverse SIP calculator?
It works backwards from your goal. A normal SIP calculator asks what ₹10,000 a month will become; a reverse SIP calculator asks what monthly amount becomes ₹1 crore in the years you have, at the return you expect.
How is SIP return calculated?
Every instalment compounds for the months left until your goal date, at a monthly rate of the annual return divided by twelve. The future value of all instalments added together is your corpus — this tool solves that same equation in reverse for the instalment.
What return rate should I assume?
Long-run Indian equity index returns have broadly sat in the 10–12% band before tax, hybrid funds below that, and debt funds around 6–7%. Use the lower end for goals under five years, and revisit the plan every year — past returns are not a promise.
Should I adjust my goal for inflation?
Yes, whenever the goal is a real cost — a home, a wedding, a child's education. Set an inflation rate in advanced options and the target grows with it, so the corpus you reach still buys what ₹1 crore buys today.
What is a step-up SIP, and should I use one?
A step-up SIP increases your instalment by a fixed percentage each year, usually tracking your salary. Because later instalments are larger, the amount you must start with is noticeably smaller — useful when today's cash flow is tight but income should grow.
SIP or lumpsum — which grows more?
At a constant assumed return, a lumpsum invested on day one always compounds to more than the same money spread across a SIP, simply because it spends longer in the market. SIPs earn their keep in the real world by averaging your purchase cost through market ups and downs — something a constant-return comparison can't show.
What is a Systematic Withdrawal Plan (SWP)?
An SWP pays out a fixed amount from an invested lumpsum every month, while the rest keeps growing. If the withdrawal rate is higher than the return, the corpus eventually runs out — the SWP calculator shows when.
Do I pay tax on SIP returns?
Gains on equity funds held longer than a year are long-term capital gains, taxed at 12.5% above the annual exemption; units sold sooner attract the short-term rate. Each SIP instalment has its own holding period, so enter an expected blended rate if you want a post-tax target.