Monthly investment
Projection only. Real returns vary, and charges, tax and inflation are not included.
Two modes: a monthly SIP and a one-shot lumpsum. The annual return is converted to a monthly rate with (1 + annual)^(1/12) − 1, not annual÷12. SIP future value uses the annuity-due form (instalment treated as invested at the start of the month). A donut splits corpus into invested vs estimated gain.
What the sliders actually feed
- SIP amount ₹100–₹5 lakh; lumpsum ₹1,000–₹1 crore (mode switch changes which field applies).
- Expected return 0–20% a year; tenure 1–40 years.
- At 0% return, SIP maturity equals months × amount (no growth).
SIP illustration
₹5,000 a month, 12% assumed annual, 10 years (120 months).
₹6,00,000
≈ ₹11,20,000
Why this is not a fund factsheet
The path is a smooth monthly compounding line. Real NAVs jump. Expense ratio, exit load, tax, inflation, and SIP step-ups are omitted. Changing the assumed return by two points dominates a 20-year figure; run more than one rate.
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SIP projection questions
What is a SIP?
A Systematic Investment Plan invests a fixed amount at regular intervals, usually monthly, rather than committing a lump sum at once. Because the amount is fixed while unit prices vary, you buy more units when prices are low and fewer when they are high.
How is the SIP maturity value calculated?
The annual return is converted to a monthly rate by compounding, as one plus the annual return raised to the power of one twelfth, minus one. The future value of an annuity formula is then applied, assuming each instalment is invested at the start of the month.
What return rate should I assume?
Be deliberately conservative, and run the calculation two or three times at different rates. The assumed return dominates long-term projections, so an optimistic figure produces a misleading plan. The spread between scenarios is more honest than any single number.
Are these returns guaranteed?
No. This is a projection based on a rate you choose, not a forecast. Real market returns arrive unevenly rather than as a smooth monthly rate, and past performance does not guarantee future results.
Does the calculation account for charges and tax?
No. Expense ratio, exit load, capital gains tax and inflation are all excluded. The maturity figure is a gross amount in future rupees, so its real purchasing power will be lower.
What is the difference between SIP and lumpsum?
A SIP spreads your investment across many months, which averages your purchase price. A lumpsum invests everything at once, so the whole amount compounds for the full period but your entire entry depends on a single point in time.
Debt vs deposit vs tax
EMI is a loan; FD/RD is a deposit; GST is tax arithmetic: EMI Calculator, FD/RD Calculator, GST Calculator. Browse the full Finance & Date set or the all tools hub.