See your tree grow.
Type your numbers or drag the sliders. Navy is what you put in; green is what compounding adds.
01 Start from a goal
Projected corpus
₹1.28 Crin 15 years · 2.8× what you invest
Hover or tap a year for its numbers. Assumes a constant return, compounded monthly. Actual mutual fund returns vary and are not guaranteed.
02 Year by year
Where every rupee ends up.
Your SIP, one year at a time: what you have put in so far, what compounding has added, and what it is worth. Every fifth year is marked.
| Year | Monthly SIP | Invested so far | Returns so far | Value |
|---|
03 What if
Small changes, big differences.
The same plan with one thing changed. These update as you change the calculator.
- Start 5 years later—
Same end date, five fewer years of compounding.
- Stay 5 years longer—
Keep the same SIP running five more years.
- Step up 10% a year—
Raise the SIP once a year as your income grows.
- Returns overtake deposits—
The year compounding has added more than you have put in.
04 The maths
How the number is worked out.
FV = P × [(1 + i)n − 1] ÷ i × (1 + i)
- P
- your monthly investment
- i
- monthly return: the yearly rate ÷ 12
- n
- number of monthly instalments
Each instalment is invested at the start of the month and grows for every month that follows, the convention most Indian SIP calculators use. With a step-up, P rises once a year and each year's instalments compound from the month they go in.
Is this return guaranteed?
No. Mutual fund returns move with the markets and are different every year. The calculator uses one steady rate to show the shape of compounding, not a promise of what you will earn.
What return should I assume?
Be conservative. Equity funds have historically returned more than debt funds over long periods, but with bigger swings along the way. Try a few rates to see a range of outcomes, then talk to an advisor about a mix that fits your goal.
What is a step-up SIP?
A SIP that rises by a fixed percentage once a year, usually in line with your salary. Even a small step-up has a large effect over long periods, because each increase compounds for the years that remain.
Are taxes and fund costs included?
No. The figures are before tax, and the return you enter should already be net of the fund's expense ratio. Gains may be taxed when you redeem, depending on the fund type and how long you held it.
Next step
Turn the numbers into a plan.
An advisor can match a SIP basket to your goals, timeline and comfort with risk.