Investment
SIP Calculator
Project what a monthly investment could grow into.
Your figures
Projected value
₹1,26,14,400
- Total invested
- ₹45,00,000
- Estimated gain
- ₹81,14,400
- Growth multiple
- 2.80×
Projected value ÷ amount invested.
Invested vs growth
- Invested₹45 L
- Growth₹81.14 L
Year-by-year projection
| Year | Invested | Growth | Value |
|---|---|---|---|
| 1 | ₹3,00,000 | ₹20,233 | ₹3,20,233 |
| 2 | ₹6,00,000 | ₹81,080 | ₹6,81,080 |
| 3 | ₹9,00,000 | ₹1,87,691 | ₹10,87,691 |
| 4 | ₹12,00,000 | ₹3,45,871 | ₹15,45,871 |
| 5 | ₹15,00,000 | ₹5,62,159 | ₹20,62,159 |
| 6 | ₹18,00,000 | ₹8,43,926 | ₹26,43,926 |
| 7 | ₹21,00,000 | ₹11,99,475 | ₹32,99,475 |
| 8 | ₹24,00,000 | ₹16,38,164 | ₹40,38,164 |
| 9 | ₹27,00,000 | ₹21,70,538 | ₹48,70,538 |
| 10 | ₹30,00,000 | ₹28,08,477 | ₹58,08,477 |
How this is calculated
FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where i = annual return ÷ 12 and n = months. Each instalment is treated as invested at the start of the month.
- Monthly rate used
- 1.0000%
- Number of instalments
- 180
A systematic investment plan invests a fixed amount every month. This projects the corpus from your instalment, horizon and an expected return you choose — including an optional annual step-up, which is usually the single biggest lever available to a salaried investor.
Assumptions used
- Equity — long term12%
- Returns are assumed constant. Real markets are not: the same average delivered in a different order produces a different outcome.
- Figures are before exit load, expense ratio and capital gains tax.
Any figure you enter overrides the assumption above for your calculation.
Educational calculation, not personal advice
This calculator is provided for education and illustration. It applies the assumptions shown to the figures you entered; it does not take account of your circumstances, goals, tax position or risk tolerance, and it is not a personal recommendation. Projections are not forecasts, and no return is guaranteed. Investment values can fall as well as rise. Speak to a qualified adviser before acting on anything here.
Want this checked against your actual position?
A calculator works with the numbers you give it. A planner works with the ones you have — including the tax, protection and liquidity questions this tool does not ask.
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