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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

₹23,23,391

after 10 years at the return you assumed

You invest

₹12,00,000

Estimated gains

₹11,23,391

Absolute return

93.6%

total gain on money in

Annualised (XIRR)

12.67%

money-weighted

How it builds up

Maturity value₹23.2 L

Invested51.6%
Gains48.4%

Show what it is worth in today’s money

Maturity value

₹23,23,391

Gains

₹11.2 L

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: Equity: 12.5% LTCG above ₹1.25 lakh a year after 12 months. Debt: taxed at your slab rate.

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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SIP

SIP questions, answered

How the arithmetic on this page works, what the projection assumes, and where the output is most often misread.

That every instalment is paid on time, that none is missed, and that the return you entered is earned steadily, every month, for the whole term. Real markets do none of that. A fund returning an average of 12% over ten years will have had years of 30% and years of −20%, and the order those arrive in changes what you end up with. Treat the figure as the arithmetic consequence of your assumption, not a forecast.

No. A SIP is a way of buying into a mutual fund on a schedule, not a product with a promised rate. Nothing about the instalment structure guarantees anything — the money is in the market, and the value can be lower than the amount you put in, including on the day you need it. This is the single most important difference between this calculator and the PPF or fixed-deposit ones, where the rate is contractual or set by government.

CAGR describes one sum held for one period. A SIP is dozens of separate sums, each held for a different length of time — the first instalment compounds for the full term, the last for a month. XIRR is the rate that makes all of those cash flows, on their actual dates, add up to the final value. Quoting CAGR on a SIP overstates the return, because it credits the whole corpus with the full term.

It changes your average purchase price, not your exposure. Buying on a schedule means you buy more units when prices are low and fewer when they are high, which smooths the price you paid in. It does nothing about the value of what you already hold: a portfolio built over ten years falls with the market in year ten, and by then the accumulated balance is far larger than any single instalment.

Stopping ends the contributions; it does not sell what you hold, which stays invested and keeps rising or falling with the fund. The lasting cost is compounding you no longer get — an instalment missed early in the term had the most time to grow, so it is worth more than the same amount missed near the end. Model it by shortening the term and comparing the two maturity figures.

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

Equity: 12.5% LTCG above ₹1.25 lakh a year after 12 months. Debt: taxed at your slab rate.

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.

SIP Calculator

How it builds up

What the number above does not tell you

Worth weighing before you commit

Other calculators

SIP questions, answered

What does a SIP projection actually assume?

Is the projected return guaranteed?

Why does this page show XIRR rather than CAGR?

Does investing monthly protect me from a market fall?

What happens if I stop or pause the instalments?

SIP Calculator

How it builds up

What the number above does not tell you

Worth weighing before you commit

Other calculators

SIP questions, answered

What does a SIP projection actually assume?

Is the projected return guaranteed?

Why does this page show XIRR rather than CAGR?

Does investing monthly protect me from a market fall?

What happens if I stop or pause the instalments?