SIP Calculator
Estimate how regular monthly investments could grow over time.
Enter the fixed amount you plan to invest every month.
Assumed annual effective return for your investment.
Duration of the investment in years or months.
* Starting figures are illustrative assumptions only. They are not current, recommended, bank or market returns. Please enter your own assumptions.
Estimated returns: ₹10,19,300 over 10 years
Financial Breakdown
Total Invested vs Estimated Returns distribution
Your investment journey
Investment Growth Over Time
Explore how regular investments and estimated returns build your portfolio.
Total invested
₹12,00,000
Estimated returns
₹10,19,300
Estimated value
₹22,19,300
The blue area shows your contributions; the teal area shows estimated returns. The top edge tracks your portfolio value. Returns are illustrative and not guaranteed.
SIP at a Glance
Key parameters and estimated returns summary
SIP Growth Schedule
Year-wise breakdown of monthly contributions, investments during period and estimated growth
| Period | Opening Value | Investments During Period | Estimated Growth | Closing Value |
|---|---|---|---|---|
| Year 1 | ₹0 | +₹1,20,000 | +₹6,465 | ₹1,26,465 |
| Year 2 | ₹1,26,465 | +₹1,20,000 | +₹21,641 | ₹2,68,106 |
| Year 3 | ₹2,68,106 | +₹1,20,000 | +₹38,638 | ₹4,26,743 |
| Year 4 | ₹4,26,743 | +₹1,20,000 | +₹57,674 | ₹6,04,418 |
| Year 5 | ₹6,04,418 | +₹1,20,000 | +₹78,995 | ₹8,03,413 |
| Year 6 | ₹8,03,413 | +₹1,20,000 | +₹1,02,875 | ₹10,26,287 |
| Year 7 | ₹10,26,287 | +₹1,20,000 | +₹1,29,619 | ₹12,75,907 |
| Year 8 | ₹12,75,907 | +₹1,20,000 | +₹1,59,574 | ₹15,55,480 |
| Year 9 | ₹15,55,480 | +₹1,20,000 | +₹1,93,123 | ₹18,68,603 |
| Year 10 | ₹18,68,603 | +₹1,20,000 | +₹2,30,697 | ₹22,19,300 |
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Investment Projection Disclaimer
SIP and lumpsum calculations are estimates based on the investment amount, assumed annual return and duration entered by the user. Actual investment returns can vary and may be higher or lower. Market-linked investments involve risk. Past performance does not guarantee future returns.
• For SIP, monthly contributions are assumed to occur at the end of each month.
• Expected Annual Return is treated as an effective annual growth assumption.
• Taxes, fees, expense ratios, exit loads and other investment costs are not included.
• These calculations are estimates only and do not provide investment recommendations.
How to estimate SIP and lumpsum growth
Choose monthly SIP contributions or a one-time lumpsum investment, then enter an assumed annual return and investment duration. Compare invested capital with estimated growth.
Calculation method
For SIPs, the effective monthly rate is i = (1 + R)^(1/12) − 1, where R is the assumed annual return as a decimal. End-of-month contributions grow as P × ((1 + i)^n − 1) / i. Lumpsum growth is P × (1 + R)^t.
Example
A ₹1,00,000 lumpsum growing at an assumed 10% annually for 5 years would reach approximately ₹1,61,051 before taxes and fees.
Assumptions and limitations
Returns are illustrative assumptions, not promises. Market returns fluctuate, losses are possible, and actual results depend on investment performance, fees and taxes.
These tools provide estimates for financial education and planning. They do not provide personalised financial advice.
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