Investment calculator
SIP Calculator
A Systematic Investment Plan (SIP) lets you invest a fixed amount every month. Use this calculator to see how regular investing, combined with compounding, could grow over your chosen period.
Your details
Total invested amount
₹12,00,000
Estimated gains
₹11,23,391
Estimated wealth
₹23,23,391
Breakup
- Invested amount₹12,00,000 (52%)
- Estimated gains₹11,23,391 (48%)
Year-wise growth
Year-wise breakdown
| Year | Invested | Estimated value | Estimated gains |
|---|---|---|---|
| Yr 1 | ₹1,20,000 | ₹1,28,093 | ₹8,093 |
| Yr 2 | ₹2,40,000 | ₹2,72,432 | ₹32,432 |
| Yr 3 | ₹3,60,000 | ₹4,35,076 | ₹75,076 |
| Yr 4 | ₹4,80,000 | ₹6,18,348 | ₹1,38,348 |
| Yr 5 | ₹6,00,000 | ₹8,24,864 | ₹2,24,864 |
| Yr 6 | ₹7,20,000 | ₹10,57,570 | ₹3,37,570 |
| Yr 7 | ₹8,40,000 | ₹13,19,790 | ₹4,79,790 |
| Yr 8 | ₹9,60,000 | ₹16,15,266 | ₹6,55,266 |
| Yr 9 | ₹10,80,000 | ₹19,48,215 | ₹8,68,215 |
| Yr 10 | ₹12,00,000 | ₹23,23,391 | ₹11,23,391 |
Formula used
- FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i)
- P = monthly investment, i = annual return ÷ 12, n = number of months
- Instalments are assumed at the start of each month.
Assumptions
- A constant annual return is assumed for illustration. Actual mutual fund returns vary every year and can be negative.
- Expense ratios, exit loads and taxes are not deducted.
Scheme rates and rules as on: October–December 2026 quarter. You can change rates in the calculator.
Disclaimer
This calculator provides illustrative estimates only, based on the inputs and assumptions you enter. Results are not guaranteed, do not reflect the performance of any specific product, and do not consider taxes, charges or inflation unless stated. They are not investment advice. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.
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Related calculators
- Goal SIP CalculatorFind the monthly SIP needed to reach a target amount.
- Mutual Fund CalculatorProject lumpsum or SIP investments in mutual funds.
- STP CalculatorMove a lumpsum gradually from one fund to another.
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