SIP calculator
Assumptions
Effective annual investment return converted to an equivalent monthly rate: (1 + annual return)^(1/12) − 1. Contributions are made at the start of each month. Constant returns are illustrative, not guaranteed; fees and taxes are excluded. Many published calculators divide the annual return by 12 each month instead, which produces a higher figure; that comparison value is listed in the detailed results.
Estimates are not personalised financial advice. Review assumptions before use.
Estimated future value
Based on your inputs. Not guaranteed. Exact amount: ₹11,20,179.
Investment growth
The shaded layers separate what you put in from growth at your assumed return.View detailed breakdown
Contributions are money added during the year; growth is the change generated by the assumed return.
What builds the final value?
Separate your contributions from projected growth. Try a lower return as well as your chosen assumption; a steady return does not represent market volatility.
Detailed results
| Result | Value |
|---|---|
| Estimated future value | ₹11.2 lakh |
| Total invested | ₹6 lakh |
| Estimated growth | ₹5.2 lakh |
| Comparison: value if the annual return were divided by 12 | ₹11.62 lakh |
Schedule
| Year | Opening balance | Contributed | Growth | Closing balance |
|---|---|---|---|---|
| 1 | ₹0 | ₹60,000 | ₹3,832 | ₹63,832 |
| 2 | ₹63,832 | ₹60,000 | ₹11,492 | ₹1.35 lakh |
| 3 | ₹1.35 lakh | ₹60,000 | ₹20,071 | ₹2.15 lakh |
| 4 | ₹2.15 lakh | ₹60,000 | ₹29,680 | ₹3.05 lakh |
| 5 | ₹3.05 lakh | ₹60,000 | ₹40,442 | ₹4.06 lakh |
| 6 | ₹4.06 lakh | ₹60,000 | ₹52,495 | ₹5.18 lakh |
| 7 | ₹5.18 lakh | ₹60,000 | ₹65,994 | ₹6.44 lakh |
| 8 | ₹6.44 lakh | ₹60,000 | ₹81,113 | ₹7.85 lakh |
| 9 | ₹7.85 lakh | ₹60,000 | ₹98,047 | ₹9.43 lakh |
| 10 | ₹9.43 lakh | ₹60,000 | ₹1.17 lakh | ₹11.2 lakh |