SIP Calculator
Project what a monthly mutual fund SIP could grow into.
A SIP compounds each instalment for the months it stays invested: FV = P x [((1+r)^n - 1) / r] x (1+r). A ₹10,000 monthly SIP at 12% for 15 years invests ₹18 lakh and grows to about ₹50.5 lakh, so roughly two-thirds of the corpus is return, not contribution.
Your Inputs
Corpus at maturity
Invested
₹18 L
Returns
₹32.46 L
Total invested
₹18,00,000
Wealth gained
₹32,45,760
Tenure Impact Analysis
See how the final corpus changes if you stay invested longer.
₹50.46 L
Baseline
Selected tenure
₹99.91 L
+₹49.46 L total
98.0% Growth
₹1.90 Cr
+₹1.39 Cr total
276.1% Growth
₹3.53 Cr
+₹3.03 Cr total
599.6% Growth
Formula used
FV = P x [((1+r)^n - 1) / r] x (1+r)
How this works
Why SIP returns are never a straight line
This projection assumes a constant return. Real equity funds deliver lumpy returns — a few strong years carry most of the gain. Use 10-12% for diversified equity, 8-9% for hybrid and 6-7% for debt, and re-check your plan every year instead of trusting a single projection.
Step-up is the cheapest way to grow a corpus
Raising your SIP 10% a year roughly doubles the corpus over 20 years compared with a flat SIP, without needing a higher return. It matches how salaries grow, so the extra amount rarely feels painful.
Frequently asked questions
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