Project the value of a lump sum and a monthly SIP in a mutual fund.
A SIP of ₹10,000 a month at 12% a year for 10 years grows to about ₹23,00,386.89 (end-of-month deposits), with ₹11,00,386.89 from returns. Start-of-month deposits give a little more.
A Systematic Investment Plan (SIP) invests a fixed amount in a mutual fund every month, averaging your purchase price over time. Enter an optional lump sum, the monthly SIP, an expected annual return and the period to project the value, with an optional yearly step-up.
Mutual fund returns are not guaranteed and depend on market performance; equity funds can fall as well as rise. Use cautious return assumptions and look at the table to see how outcomes change. See also the Investment Calculator.
The calculator applies the standard financial formulas step by step.
| Item | Amount |
|---|---|
| Starting amount | ₹0.00 |
| Total deposits | ₹12,00,000.00 |
| Interest earned | ₹11,00,386.89 |
| End balance | ₹23,00,386.89 |
| Interest as a share of end balance | 47.8% |
| Years | 9% p.a. | 12% p.a. | 15% p.a. |
|---|---|---|---|
| 5 years | ₹7,54,241.37 | ₹8,16,696.70 | ₹8,85,745.08 |
| 10 years | ₹19,35,142.77 | ₹23,00,386.89 | ₹27,52,170.58 |
| 15 years | ₹37,84,057.69 | ₹49,95,801.98 | ₹66,85,067.59 |
| 20 years | ₹66,78,868.70 | ₹98,92,553.65 | ₹1,49,72,394.81 |
| 25 years | ₹1,12,11,219.37 | ₹1,87,88,466.26 | ₹3,24,35,296.15 |
Each monthly instalment grows at the expected monthly rate for the remaining months, and the amounts are added to any lump sum's growth.
Use a conservative long-term estimate. Past returns are not a guide to future performance.
A SIP whose monthly amount increases by a set percentage each year, usually in line with income growth.
SIP instalments are usually debited near the start of a month; select “Start of each month” for that, which gives a slightly higher value.
No — it is a flat reduction of the yearly return, a simple approximation of how gains are taxed.
Buying a fixed amount regularly means you buy more units when prices are low and fewer when high, smoothing your average cost.
It uses the standard formula: balance = P × (1 + r/n)^(n·t) + deposits compounded The full method and a worked example are shown on this page.
No. The calculator gives estimates for planning and learning. Real offers vary by lender, product and date, so confirm the details with your bank, lender or a qualified adviser before deciding.
Yes. The maths is identical in any currency; only the currency symbol shown in the results differs.
No. Everything is calculated in your browser and nothing you enter is uploaded or saved.
