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Project what a monthly Systematic Investment Plan could grow to. See total invested, estimated gains and a year-by-year growth chart. Optional annual step-up.
Last updated 5 September 2026
Invested
₹12,00,000
Est. returns
₹11,23,391
Est. final value
₹23,23,391
The amount you plan to invest every month.
A realistic long-term annual return for your fund category (equity funds have historically averaged 10–13%).
How many years you will keep investing. Add an annual step-up if you plan to raise the amount each year.
FV = P × [ ((1 + i)^n − 1) ÷ i ] × (1 + i)
Contributions are assumed at the start of each month. When i = 0, FV = P × n.
With i = 0.01 and n = 120, the annuity factor ((1.01^120 − 1) ÷ 0.01) × 1.01 ≈ 232. Multiplied by ₹10,000 that is roughly ₹23.2 lakh, against ₹12 lakh invested — an estimated gain of about ₹11.2 lakh.
This calculator assumes a steady monthly return. Real equity markets rise and fall — some years up 25%, some down 15%. Over long periods the average tends to smooth out, which is why SIPs work, but the final value can land well above or below the projection.
Use a conservative return (say 10–11% for equity) for planning, and treat the result as a range rather than a precise figure.
A SIP's real advantage isn't a higher return than investing a lump sum — over a full market cycle a lump sum invested at the start often wins mathematically. Its advantage is discipline and rupee-cost averaging: you buy more units when prices are low and fewer when they are high, automatically, without trying to time the market.
If you already have a lump sum available today, a SIP is not automatically the better choice for it — it mainly matters for money you don't have yet, i.e. future income you plan to invest as it arrives.
No. Mutual fund returns are market-linked and not guaranteed. The calculator projects a constant return for illustration only. Actual results will vary, and you can lose money.
For diversified equity funds, 10–12% is a common long-term planning assumption. For hybrid funds use 8–10%, and for debt funds 6–7%. Past performance does not guarantee future returns.
It increases your monthly investment by a fixed percentage each year, modelling the common practice of investing more as your income grows. It significantly raises the final value.
No. The projection is before costs and taxes. Factor those in separately when planning.
Our dedicated Step-up SIP Calculator lets you set a custom step-up percentage and compares it directly against an equivalent flat SIP.
This calculator provides estimates for general information only. Results are mathematical calculations based on the figures you enter and standard formulas. Actual bank, loan, deposit and investment products may differ due to fees, rounding conventions, day-count methods and changing rates and rules. Projected investment returns are not guaranteed and you may get back less than you invest. Nothing here is financial, tax or investment advice — verify the actual terms with the relevant institution or a qualified adviser before making a decision. See our full disclaimer.