Finance
Estimate the future value of a monthly SIP investment, with a breakdown of invested amount vs. returns.
Maturity value
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Investing ₹10,000/month for 15 years at an assumed 12% annual return produces a projected maturity value of roughly ₹50,45,760 — of which only ₹18,00,000 was actually invested; the rest, over ₹32 lakh, is projected growth from compounding. Extending the same SIP to 20 years instead of 15 nearly doubles the maturity value to around ₹99,91,480, despite "only" 5 more years of contributions.
Because SIP growth compounds, the extra years at the end of a long investment horizon contribute disproportionately more growth than the early years — which is why starting a smaller SIP early often outperforms starting a larger SIP later, for the same total years invested. Time in the market, not just contribution size, drives the bulk of long-term SIP growth.
Using the future value of a growing annuity formula, which compounds each monthly investment for the time remaining in the investment period. The exact formula is FV = P × [((1+r)^n − 1) / r] × (1+r), where P is the monthly amount, r is the monthly rate, and n is the number of months.
No — the return rate you enter is an assumption based on historical or expected fund performance. Actual mutual fund returns fluctuate and are never guaranteed; this calculator shows a projection, not a promise.
It depends entirely on the fund and market conditions — equity funds have historically returned more than debt funds over the long term, but with more volatility. This calculator doesn't recommend a rate; use whatever assumption fits your own research.
SIP spreads your investment across regular monthly contributions, which averages your purchase cost over time (rupee cost averaging), while a lump sum invests everything at once. Both can be modeled — for a lump sum, use the Compound Interest Calculator instead.
This tool provides estimates for informational purposes and isn't investment advice. Mutual fund investments are subject to market risk.