SIP Calculator
What does my monthly SIP grow into?
Projected value
₹56,00,897
Fifty six lakh eight hundred ninety seven
in 10 years
You invest
₹30,00,000
Thirty lakh
Wealth gained
₹26,00,897
Twenty six lakh eight hundred ninety seven
Total return
86.7%
on the money you put in
Your plan
Twenty five thousand
Twelve
Ten
Start with a lumpsum
A one-time amount invested alongside your first SIP
Step up every year
Raise your SIP as your income grows
Add regular top-ups
Extra lumpsums on top of your SIP — a bonus, say
Factor in inflation
See what the corpus is worth in today's money
Wealth trajectory
Of the ₹56.01L you end with, ₹26.01L is growth — that is 87% on top of what you put in.
Where it comes from
Hover any slice to see the exact amount.
Total value
₹56.01L
Hover a slice for detail
- SIP instalments₹30,00,00053.6%
- Returns earned₹26,00,89746.4%
Investment schedule
10 years, every rupee accounted for
| Period | Invested | Growth | Invested to date | Balance |
|---|---|---|---|---|
| Year 1 | ₹3,00,000 | ₹19,162 | ₹3,00,000 | ₹3,19,162 |
| Year 2 | ₹3,00,000 | ₹57,462 | ₹6,00,000 | ₹6,76,624 |
| Year 3 | ₹3,00,000 | ₹1,00,357 | ₹9,00,000 | ₹10,76,982 |
| Year 4 | ₹3,00,000 | ₹1,48,400 | ₹12,00,000 | ₹15,25,382 |
| Year 5 | ₹3,00,000 | ₹2,02,208 | ₹15,00,000 | ₹20,27,590 |
| Year 6 | ₹3,00,000 | ₹2,62,473 | ₹18,00,000 | ₹25,90,064 |
| Year 7 | ₹3,00,000 | ₹3,29,970 | ₹21,00,000 | ₹32,20,034 |
| Year 8 | ₹3,00,000 | ₹4,05,566 | ₹24,00,000 | ₹39,25,600 |
| Year 9 | ₹3,00,000 | ₹4,90,234 | ₹27,00,000 | ₹47,15,835 |
| Year 10 | ₹3,00,000 | ₹5,85,063 | ₹30,00,000 | ₹56,00,897 |
What if you invested more?
Your 12% return, paying in for 10 years and staying invested for 10.
| Monthly | You invest | You end with |
|---|---|---|
| ₹1,000 | ₹1.20L | ₹2.24L |
| ₹2,500 | ₹3.00L | ₹5.60L |
| ₹5,000 | ₹6.00L | ₹11.20L |
| ₹7,500 | ₹9.00L | ₹16.80L |
| ₹10,000 | ₹12.00L | ₹22.40L |
| ₹15,000 | ₹18.00L | ₹33.61L |
| ₹20,000 | ₹24.00L | ₹44.81L |
| ₹25,000your plan | ₹30.00L | ₹56.01L |
| ₹30,000 | ₹36.00L | ₹67.21L |
| ₹40,000 | ₹48.00L | ₹89.61L |
| ₹50,000 | ₹60.00L | ₹1.12Cr |
| ₹60,000 | ₹72.00L | ₹1.34Cr |
| ₹75,000 | ₹90.00L | ₹1.68Cr |
| ₹1,00,000 | ₹1.20Cr | ₹2.24Cr |
| ₹1,25,000 | ₹1.50Cr | ₹2.80Cr |
| ₹1,50,000 | ₹1.80Cr | ₹3.36Cr |
| ₹2,00,000 | ₹2.40Cr | ₹4.48Cr |
| ₹2,50,000 | ₹3.00Cr | ₹5.60Cr |
| ₹3,00,000 | ₹3.60Cr | ₹6.72Cr |
| ₹5,00,000 | ₹6.00Cr | ₹11.20Cr |
What each percent is worth
₹1,00,000 invested once, held 10 years. The gap between rows widens as you go down — that is compounding.
| Return | Becomes | Multiple |
|---|---|---|
| 1% | ₹1.10L | 1.1× |
| 2% | ₹1.22L | 1.2× |
| 3% | ₹1.34L | 1.3× |
| 4% | ₹1.48L | 1.5× |
| 5% | ₹1.63L | 1.6× |
| 6% | ₹1.79L | 1.8× |
| 7% | ₹1.97L | 2.0× |
| 8% | ₹2.16L | 2.2× |
| 9% | ₹2.37L | 2.4× |
| 10% | ₹2.59L | 2.6× |
| 11% | ₹2.84L | 2.8× |
| 12%your plan | ₹3.11L | 3.1× |
| 13% | ₹3.39L | 3.4× |
| 14% | ₹3.71L | 3.7× |
| 15% | ₹4.05L | 4.0× |
| 16% | ₹4.41L | 4.4× |
| 17% | ₹4.81L | 4.8× |
| 18% | ₹5.23L | 5.2× |
| 19% | ₹5.69L | 5.7× |
| 20% | ₹6.19L | 6.2× |
| 21% | ₹6.73L | 6.7× |
| 22% | ₹7.30L | 7.3× |
| 23% | ₹7.93L | 7.9× |
| 24% | ₹8.59L | 8.6× |
| 25% | ₹9.31L | 9.3× |
| 26% | ₹10.09L | 10.1× |
| 27% | ₹10.92L | 10.9× |
| 28% | ₹11.81L | 11.8× |
| 29% | ₹12.76L | 12.8× |
| 30% | ₹13.79L | 13.8× |
What this calculation assumes
- •Your SIP is invested at the start of each month, so every instalment earns that month’s return.
- •The rate you enter is an effective annual return, quoted the way mutual fund CAGR is: 12% means the money grows 12% in a year. Some calculators divide by 12 instead, which quietly pays 12.68% on a 12% input and overstates long projections.
- •Returns compound monthly at a constant rate. Real markets do not deliver a steady rate — this is a projection, not a forecast.
- •A step-up applies from year 2 onwards. Year 1 always uses the amount you entered.
- •No exit load, expense ratio, transaction cost or capital gains tax is deducted.
- •Amounts are in today’s rupees unless you adjust for inflation separately.
About this calculator
Project the future value of a monthly mutual fund SIP, with optional annual step-up, a year-by-year breakdown, and your CAGR.