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SIP calculator
A SIP invests a fixed amount every month. This shows what that could grow to at a steady return, and how much of the final value is your own money.
Result
Estimated value after 15 years
₹50,45,760
- You invest
- ₹18,00,000
- Estimated gains
- ₹32,45,760
- Gains as a share of value
- 64%
Invested and gains, year by year
Each bar is the value at the end of that year, split into what you put in and what it earned.
Year-by-year growthShow 15 rowsHide
| Year | Invested to date | Gains | Value |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹32,432 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹75,076 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹1,38,348 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹3,37,570 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹4,79,790 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹6,55,266 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹8,68,215 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹11,23,391 | ₹23,23,391 |
| 11 | ₹13,20,000 | ₹14,26,148 | ₹27,46,148 |
| 12 | ₹14,40,000 | ₹17,82,522 | ₹32,22,522 |
| 13 | ₹15,60,000 | ₹21,99,311 | ₹37,59,311 |
| 14 | ₹16,80,000 | ₹26,84,180 | ₹43,64,180 |
| 15 | ₹18,00,000 | ₹32,45,760 | ₹50,45,760 |
How this is calculated
FV = P × [((1 + i)ⁿ − 1) ÷ i] × (1 + i)
- P = monthly investment
- i = expected yearly return ÷ 12
- n = number of monthly instalments
Assumptions and limits
- Each instalment is invested at the start of the month and compounds monthly.
- With a step-up, the monthly amount rises once a year, after every 12 instalments.
- The expected return is your assumption and stays the same every year. Real returns vary, and equity returns can be negative for years at a time.
- Use a return after the fund's expense ratio. Taxes and exit loads are not deducted.
- This is an illustration, not a forecast or a recommendation of any fund.
This calculator gives an educational estimate from the values you enter. It isn't personalised financial, tax or investment advice. Rates, rules and your own situation can change the result. Read the disclaimer
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