Tool
Investment Calculator
See how a monthly SIP or a one-time investment could grow over time. Adjust the amount, period and expected return to plan your goals.
Investment calculator
Equity mutual funds in India have historically delivered around 10–14% a year over long periods, but returns are never guaranteed. Use a conservative rate when planning.
- Maturity amount
- ₹3.86 L
- Total investment
- ₹3.00 L
- Estimated returns
- ₹85,859
What happens if I keep investing longer?
- Invested
- ₹6,00,000
- Growth
- ₹4,07,288
- Maturity
- ₹10,07,288
5 more years adds ₹6.21 L to your corpus.
Year-by-year breakdown
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | ₹60,000 | ₹3,203 | ₹63,203 |
| 2 | ₹1,20,000 | ₹12,726 | ₹1,32,726 |
| 3 | ₹1,80,000 | ₹29,201 | ₹2,09,201 |
| 4 | ₹2,40,000 | ₹53,324 | ₹2,93,324 |
| 5 | ₹3,00,000 | ₹85,859 | ₹3,85,859 |
What is a SIP?
A Systematic Investment Plan lets you invest a fixed amount in a mutual fund every month. You buy more units when markets are low and fewer when they are high, which averages out your cost over time.
How is it calculated?
Each monthly instalment compounds at the monthly equivalent of your expected annual return. The maturity value is the sum of every instalment plus the growth it earns until the end of the period.
Why step up?
Raising your SIP each year as your income grows can add a large amount to your final corpus, because the extra money also compounds for the years that remain.
The formula
For a fixed monthly SIP invested at the start of each month:
- P
- monthly investment
- i
- monthly rate = (1 + annual rate)1/12 − 1
- n
- number of months
* This calculator is for illustration only. Actual returns depend on market conditions and the funds you choose, and are not guaranteed.