₹12,00,000
Total Invested
₹5,000 × 12 months × 20 years
SIP Calculator
Start your investment journey from just
₹100 per month
See how your regular investments can grow over time with the power of compounding.
- Start with
₹100 - Build wealth
over time - Simple, quick
and easy to use
Your SIP Details
₹
₹100₹1,00,000
%
0 %30 %
years
1 years40 years
Your Results (Estimated)
₹37,95,740
Estimated Returns
Growth from compounding
₹49,95,740
Estimated Value
After 20 years
Investment Growth Over 20 Years
Total investedEstimated value
Year-wise Breakdown
| Year | Annual Investment | Cumulative Investment | Estimated Value (12%) |
|---|---|---|---|
| 1 | ₹60,000 | ₹60,000 | ₹64,047 |
| 5 | ₹60,000 | ₹3,00,000 | ₹4,12,432 |
| 10 | ₹60,000 | ₹6,00,000 | ₹11,61,695 |
| 15 | ₹60,000 | ₹9,00,000 | ₹25,22,880 |
| 20 | ₹60,000 | ₹12,00,000 | ₹49,95,740 |
Illustration assuming 12% nominal annual return, compounded monthly, with contributions at the start of each month. Returns are not guaranteed. Taxes, fees and inflation are excluded. Mutual fund investments are subject to market risks; read all scheme related documents carefully.
See the Difference with Different SIP Amounts
Illustrative values for 20 years at 12% annual return.
₹100 / month
Invested: ₹24,000
Estimated value₹99,915₹500 / month
Invested: ₹1,20,000
Estimated value₹4,99,574₹1,000 / month
Invested: ₹2,40,000
Estimated value₹9,99,148₹5,000 / month Current
Invested: ₹12,00,000
Estimated value₹49,95,740How SIP Compounding Works
Regular investments can grow over time as returns generate further returns.
Invest regularly
Invest a fixed amount every month.
Earn returns
Your money participates in market growth.
Reinvest returns
Returns stay invested to generate further returns.
Give it time
Compounding can have a greater effect over longer periods.
The model uses a constant monthly rate and contributions at the start of each month. Real markets do not grow in a straight line, and losses are possible. Learn more about mutual funds and long-term investing.
Frequently Asked Questions
What is a SIP calculator?
A SIP calculator estimates the future value of regular monthly investments using an amount, an assumed annual return and an investment period. It is a planning illustration, not a prediction.
How is the SIP return calculated?
We assume each contribution is invested at the beginning of the month. Future value = P × [((1 + r)ⁿ − 1) / r] × (1 + r), where P is the monthly SIP, r is the annual percentage divided by 1,200 and n is the number of months. At 0% return, the value equals total contributions.
Can I start a SIP with ₹100?
This calculator accepts monthly amounts from ₹100. The actual minimum investment depends on the fund and scheme; check the scheme’s terms before investing.
What happens if I stop my SIP?
Stopping contributions changes the projection. This calculator assumes uninterrupted monthly payments for the entire selected period. It does not model pauses, withdrawals or changes in the SIP amount.
Is a 12% return guaranteed?
No. The default 12% is only an illustration. Actual returns fluctuate and may be negative. Try different assumptions; the selected percentage is neither a forecast nor a recommendation.
Does the estimate include taxes and inflation?
No. The model excludes taxes, fees, exit loads and inflation. It assumes a constant nominal annual rate compounded monthly, so your actual outcome and purchasing power will differ.
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