Investments
SIP Calculator
సిప్ కాలిక్యులేటర్
Growth of a monthly mutual fund SIP, with an optional yearly step-up.
Your result ఫలితం
Estimated value అంచనా విలువ
23.23 lakh rupees
- Investedపెట్టిన మొత్తం
- ₹12,00,000
- Est. returnsఅంచనా రాబడి
- ₹11,23,391
Mutual fund returns are market-linked and not guaranteed; this is a projection at a constant rate.
Year by year ఏడాదివారీగా
- Invested
- Returns
Use the left and right arrow keys to read each year; the table below lists every value.
Show the year-by-year table
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹32,432 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹75,076 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹1,38,348 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹3,37,570 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹4,79,790 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹6,55,266 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹8,68,215 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹11,23,391 | ₹23,23,391 |
How SIP returns are estimated
Each monthly instalment grows at the expected return, compounded every month. For an instalment P paid at the start of each month:
Value = P × ((1 + i) n − 1) ÷ i × (1 + i)
i is the monthly return (yearly return ÷ 12 ÷ 100) and n the number of months.
Example: ₹10,000 a month for 10 years at 12% is ₹12,00,000 invested and an estimated ₹23,23,391. Raising the SIP by 10% every year makes it ₹33,74,326 on ₹19,12,491 invested.
Good to know
- Mutual fund returns are market-linked: real values rise and fall, and past returns do not promise future ones.
- The longer you stay invested, the bigger the share of returns in the final value: watch it grow in the year-by-year chart.
Questions
What is a step-up SIP?
An SIP whose instalment rises by a fixed percentage every year, usually in line with your income.
What next? తర్వాత ఏం చూడాలి
See all calculators →Results are estimates for planning, at the rates you enter. Check exact figures with your bank, fund house or tax adviser before you decide.
