SIP Calculator
Calculate the exponential future value of your monthly mutual fund investments through rupee-cost averaging and compounding over time.
Time in the Market beats Timing the Market
By staying invested across 10 years at an assumed 12%, regular investing builds discipline. Estimated gains (₹ 11.23 L) represent 48% of the projected illustrative corpus.
Yearly Growth & Compounding Schedule
Witness how compounding accelerates as your invested capital expands over 10 years.
| Year | Total Invested | Estimated Gain | Total End-of-Year Corpus |
|---|---|---|---|
| Year 1 | ₹ 1,20,000 | +₹ 8,093 | ₹ 1,28,093 |
| Year 2 | ₹ 2,40,000 | +₹ 32,432 | ₹ 2,72,432 |
| Year 3 | ₹ 3,60,000 | +₹ 75,076 | ₹ 4,35,076 |
| Year 4 | ₹ 4,80,000 | +₹ 1,38,348 | ₹ 6,18,348 |
| Year 5 | ₹ 6,00,000 | +₹ 2,24,864 | ₹ 8,24,864 |
| Year 6 | ₹ 7,20,000 | +₹ 3,37,570 | ₹ 10,57,570 |
| Year 7 | ₹ 8,40,000 | +₹ 4,79,790 | ₹ 13,19,790 |
| Year 8 | ₹ 9,60,000 | +₹ 6,55,266 | ₹ 16,15,266 |
| Year 9 | ₹ 10,80,000 | +₹ 8,68,215 | ₹ 19,48,215 |
| Year 10 | ₹ 12,00,000 | +₹ 11,23,391 | ₹ 23,23,391 |
Why SIP Outperforms Lump-Sum Timing
- Rupee-Cost Averaging: You automatically accumulate more mutual fund units during market corrections and fewer when valuations are elevated.
- Behavioral Discipline: Automating bank auto-debit eliminates impulsive emotional decisions like panic selling during market drawdowns.
- Small Start, Big Future: Start with as little as ₹500 or ₹1,000 per month and step up your investment annually as your income expands.
SIP Mathematical Compounding Formula
The future value of a Systematic Investment Plan is calculated using the standard annuity compounding formula:
Where P is Monthly SIP Amount, i is the Periodic Rate (Annual CAGR ÷ 12 ÷ 100), and n is the Total Number of Monthly Installments.
*Disclaimer: The results shown are illustrative and based on mathematical compounding calculations with assumed rates of return. They do not constitute a promise or guarantee of actual performance. Mutual fund investments are subject to market risks. Read all scheme related documents carefully before investing.