SIP Calculator · Instrument

Your SIP, projected. Side by side.

Enter your monthly instalment and we’ll show you what it grows into — plus a side-by-side matrix across different return and tenure assumptions, so you can see how sensitive the end value really is.

Your Inputs

Three fields. Change any one and recalculate.

01 Monthly SIP amount ₹ Min ₹500 · Max ₹10,00,000 02 Investment period yrs How long you plan to invest. Up to 50 years. 03 Expected return % p.a. Long-run CAGR. Equity SIPs historically 10–14%.

Monthly SIP of ₹0 for a period of 0 years with returns of 0% yearly, will grow to

₹ 0

Your total invested amount will be

₹ 0

Your investment has multiplied by

0.00 times

SIP Returns Matrix

End value of your investments · try your own return rate and tenure in the blank cells.

Expected Returns Investment Period (in Years)	5	10	15

The above calculation is only for illustrative purposes and there is no guarantee of any returns. The projected returns may or may not actually accrue. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.

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About this calculator

Reading the matrix

What is a SIP?

Systematic Investment Plan — a fixed amount invested every month in a mutual fund. It averages your purchase cost across market cycles and removes the pressure of timing the market.

What return rate should I use for the projection?

Historically, Indian equity mutual funds have delivered 12–14 % CAGR over long horizons; balanced hybrid funds around 10–11 %; debt funds 6–8 %. These are historical, not guaranteed. The 5×5 matrix lets you see the range of outcomes rather than fixating on one number.

What’s a "monthly rate" and why not just divide by 12?

Because compounding is non-linear. The equivalent monthly rate is the 12th root of (1 + annual rate), minus 1. For 12 % annual, the true monthly rate is 0.9489 %, not 1 %. We use the mathematically correct version so the projection matches Excel to the rupee.

Are the output figures tax-adjusted?

No — these are pre-tax, pre-exit-load future values. For a full after-tax plan around your specific situation, book a discovery call.