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SIP Calculator

Project what a monthly mutual fund investment could grow to, with an optional annual step-up. The return you enter is an assumption, not a promise — markets deliver neither smoothly nor reliably.

HighMarket-linkedNone, except ELSS funds (3 years)

Maturity value

$2,323,391

after 10 years at the return you assumed

You invest

$1,200,000

Estimated gains

$1,123,391

Absolute return

93.6%

total gain on money in

Annualised (XIRR)

12.67%

money-weighted

How it builds up

Maturity value$2.32M

Invested51.6%
Gains48.4%

Show what it is worth in today’s money

Maturity value

$2,323,391

Gains

$1.12M

What the number above does not tell you

A maturity figure is only half the picture. These are the terms attached to it.

Risk: High
Guaranteed by: None — returns depend entirely on market performance
Lock-in: None, except ELSS funds (3 years)
Liquidity: High — redeemable on any business day
Tax treatment: Depends on the rules in Canada, which we have not documented yet. Check with a local adviser before relying on any after-tax figure.

Worth weighing before you commit

The return you enter is an assumption. Past performance does not predict future returns, and no fund guarantees anything.
Real returns are never smooth — a 12% average can mean −20% one year and +35% the next. Sequence matters if you need the money on a fixed date.
Expense ratios, exit loads and taxes all reduce what you actually receive; this projection is before costs and tax.

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Please note: this is a calculator, not financial advice, and we are not an adviser, broker or distributor. The figures are arithmetic on the inputs you supply. The return you enter is an assumption; past performance does not predict future returns and no market investment guarantees a result. Taxation depends on your own circumstances and on rules that change. For a decision of any size, speak to a SEBI-registered investment adviser or a qualified chartered accountant.

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What the number above does not tell you

A maturity figure is only half the picture. These are the terms attached to it.

Risk

High

Guaranteed by

None — returns depend entirely on market performance

Lock-in

None, except ELSS funds (3 years)

Liquidity

High — redeemable on any business day

Tax treatment

Depends on the rules in Canada, which we have not documented yet. Check with a local adviser before relying on any after-tax figure.

Worth weighing before you commit

The return you enter is an assumption. Past performance does not predict future returns, and no fund guarantees anything.
Real returns are never smooth — a 12% average can mean −20% one year and +35% the next. Sequence matters if you need the money on a fixed date.
Expense ratios, exit loads and taxes all reduce what you actually receive; this projection is before costs and tax.