SIP Calculator

A systematic investment plan puts a fixed amount into a fund every month. Each instalment compounds for a different length of time, so the maturity value is the sum of every instalment's growth: FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i), where i is the monthly return and n the number of instalments.

1. Enter the monthly amount, the return you expect each year and how long you will invest.
2. The annual return is divided by 12 to get the monthly rate.
3. The calculator adds up what each instalment grows into by the end.

The return you type is an assumption, not a promise — Indian equity funds have historically returned somewhere near 12% a year over long periods, with years well above and well below that. Run the numbers at 10% and 14% too and plan with the lower one.

What regular investing adds up to:

• ₹5,000 a month for 10 years at 12%: you invest ₹6,00,000 and it grows to about ₹11,61,695.
• ₹10,000 a month for 20 years at 12%: you invest ₹24,00,000 and it grows to about ₹99,91,479 — most of it is growth, not your money.
• The same ₹10,000 for 10 years instead of 20 reaches only ₹23,23,391. Time matters more than the amount.

To plan the withdrawal side of the same pot, use the SWP calculator.