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Growing money

SIP calculator

What a fixed monthly investment could grow to over time.

₹
%
years

Could be worth

₹99,91,479

about ₹99.91 lakh

24% of that is money you put in.

You would put in
₹24,00,000
Growth added
₹75,91,479
Total
₹99,91,479
Your money GrowthYr 1Yr 11Yr 20
This is arithmetic, not a forecast. The result applies numbers you chose. Real returns vary year to year, can be negative, and are never guaranteed. Unless stated otherwise the figure is before inflation and before tax.

How this calculation works

A SIP calculator applies monthly compounding to a fixed contribution. Each month your money is invested, and everything already invested keeps growing. The formula assumes contributions at the start of each month and a constant rate of return.

What it leaves out

Real markets do not deliver a constant return. Some years are strongly positive, some sharply negative, and the order they arrive in changes the outcome. The calculator smooths all of that into one number, which is useful for comparison and misleading as a prediction.

Understanding the thing itself matters more than the number: SIP explained.

Common questions

What return should I assume for a SIP calculator?
There is no correct figure, because future returns are unknown. Run the same calculation at a cautious rate and an optimistic one. The spread between those two answers is more informative than any single number.
Does a SIP calculator account for inflation?
No. The result is a gross projection in future rupees. At 6% inflation prices roughly double every twelve years, so an amount projected twenty years out buys considerably less than the same amount today.
Is the result guaranteed?
No. It is arithmetic applied to a return you assumed. It is not a forecast, not a promise, and no investment can guarantee any of it.

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