- Invested amount
- Estimated returns
- Invested amount
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- Estimated returns
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- Total value
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Figures are estimates for planning only, not investment or tax advice.
A systematic investment plan puts a fixed amount into a mutual fund every month, so you buy more units when markets are down and fewer when they are up. This SIP calculator shows what that habit is worth after a set number of years at an assumed rate of return.
How the SIP calculator works
Each instalment is treated as its own investment that compounds for the months remaining until the end of the period. The first instalment compounds the longest, the last one barely at all — which is why the projected value grows so much faster in the later years than in the first two or three.
The formula
FV = P × [ (1 + i)n − 1 ] ÷ i × (1 + i)
where P is the monthly instalment, i is the monthly rate (annual rate ÷ 12 ÷ 100) and n is the number of instalments. A ₹5,000 SIP for 10 years at 12% works out to about ₹11.6 lakh on ₹6 lakh invested.
How to read the result
The return rate you type is an assumption, not a promise. Equity funds have historically delivered somewhere between 10% and 14% over long periods, but any single decade can be far above or far below that. Run the numbers at 8% as well and see whether the goal still works.
Frequently asked questions
Is the SIP return guaranteed?
No. Mutual funds are market-linked. The calculator projects a constant rate for simplicity; real returns arrive unevenly and can be negative in any given year.
Should I increase my SIP every year?
If your income rises, yes — a 10% annual step-up typically adds 30–40% to the final corpus over 15 years. Use the Step Up SIP calculator to compare.
What happens if I stop a SIP midway?
The units you already hold stay invested and keep compounding. You simply stop adding new money, so the final value falls short of the projection.
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