SIP Calculator
Estimate your investment returns with exact monthly compounding.
Illustrative gross accumulation at 12% p.a. before inflation and taxes.
| Year | Invested Amount | Projected Corpus |
|---|---|---|
| Year 1 | ₹1,20,000 | ₹1,27,665 |
| Year 2 | ₹2,40,000 | ₹2,70,650 |
| Year 3 | ₹3,60,000 | ₹4,30,793 |
| Year 4 | ₹4,80,000 | ₹6,10,153 |
| Year 5 | ₹6,00,000 | ₹8,11,036 |
| Year 6 | ₹7,20,000 | ₹10,36,025 |
| Year 7 | ₹8,40,000 | ₹12,88,013 |
| Year 8 | ₹9,60,000 | ₹15,70,240 |
| Year 9 | ₹10,80,000 | ₹18,86,334 |
| Year 10 | ₹12,00,000 | ₹22,40,359 |
Where Does Your Money Actually Go?
Standard calculators show raw numbers on paper. Here is what inflation, fund fees, and taxes do to your real buying power.
What standard SIP calculators project with pure compounding before factoring in price rise or taxes.
Because groceries, fuel, and rent get more expensive each year, future money buys less.
The standard annual fee charged by the mutual fund company (AMC) for managing your investments.
Government tax on mutual fund profits exceeding the ₹1.25 Lakh annual tax-free exemption.
What you actually keep in today's prices after all price rises, fees, and government taxes.
| Year | Total Invested | Total Growth | Corpus at Year End |
|---|---|---|---|
| Year 1 | ₹1,20,000 | +₹7,665 | ₹1,27,665 |
| Year 2 | ₹2,40,000 | +₹30,650 | ₹2,70,650 |
| Year 3 | ₹3,60,000 | +₹70,793 | ₹4,30,793 |
| Year 4 | ₹4,80,000 | +₹1,30,153 | ₹6,10,153 |
| Year 5 | ₹6,00,000 | +₹2,11,036 | ₹8,11,036 |
| Year 6 | ₹7,20,000 | +₹3,16,025 | ₹10,36,025 |
| Year 7 | ₹8,40,000 | +₹4,48,013 | ₹12,88,013 |
| Year 8 | ₹9,60,000 | +₹6,10,240 | ₹15,70,240 |
| Year 9 | ₹10,80,000 | +₹8,06,334 | ₹18,86,334 |
| Year 10 | ₹12,00,000 | +₹10,40,359 | ₹22,40,359 |
Frequently asked questions
Common questions regarding SIP calculations, compounding formulas, and mutual fund conventions.
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly (typically monthly) into a mutual fund scheme. Instead of investing a single lump sum, an SIP averages your purchase costs over time through rupee cost averaging and compounds returns over your chosen investment horizon.
By default, this calculator uses the Effective Annual Compound Growth Rate (CAGR) formula for an Annuity Due. Contributions are assumed at the beginning of each monthly cycle, and the monthly rate is computed as (1 + R)^(1/12) - 1, matching the compound interest convention used by Indian mutual fund AMCs.
Calculators vary based on two mathematical choices: the monthly rate formula (Effective CAGR vs. dividing annual return by 12) and payment timing (beginning vs. end of month). These differences compound over time, creating noticeable divergences between broker portals and AMC projections for identical investments.
No. Mutual fund investments are subject to market risks. Past performance and entered return percentages are illustrative assumptions for planning purposes, not guarantees or forecasts. Actual portfolio returns fluctuate based on market movements and the performance of underlying securities.
An annual Step-Up increases your monthly contribution each year (e.g., by 10% inline with salary increments). Because larger sums enter the compounding process earlier in your investment timeline, an annual step-up significantly accelerates final corpus growth compared to a flat monthly installment.