SIP Calculator
Project the future value of monthly investing.
Projected value
₹23.23 L
Returns are assumed constant for illustration. Market-linked investments fluctuate; past performance doesn't guarantee future results.
How SIP returns compound
Each monthly instalment earns returns for the time it stays invested, and those returns earn further returns. The formula: FV = P × ((1+i)ⁿ − 1) ÷ i × (1+i), with i as the monthly rate. The result grows non-linearly — doubling your investment period far more than doubles the projected corpus.
What return should you assume?
Long-term Indian equity funds have historically delivered 11–14% p.a. before tax, but with deep interim swings. Use 10–12% for planning equity SIPs and 6–7% for debt funds, and treat the output as a projection, not a promise.
Frequently asked questions
Is SIP better than a lumpsum investment?
SIP averages your purchase cost across market ups and downs and matches how salaries arrive — behaviourally it's far easier to sustain. A lumpsum invested early can beat it mathematically in a steadily rising market, but few investors time that well.
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