How SIP growth works
A SIP invests a fixed amount every month. Each instalment earns returns and those returns earn further returns — compounding. The calculator uses the standard future-value-of-a-series formula, so you see the invested amount, the estimated gain and the final corpus separately.
Why starting early matters
Because compounding accelerates over time, the last few years of a long SIP add the most. ₹10,000 a month at 12% for 10 years invests ₹12 lakh and can grow to roughly ₹23 lakh; run it for 20 years and the corpus is far more than double, because the money has longer to compound.
Frequently asked questions
What return should I assume?
Equity mutual funds have historically returned around 10–13% a year over long periods, but returns aren't guaranteed — try a range to see best and worst cases.
Is the future value guaranteed?
No. Markets fluctuate, so the figure is a projection based on your assumed return, not a promise.
Does it account for inflation?
No — it shows nominal value. Mentally discount for inflation when judging future purchasing power.
Related tools
This tool gives estimates for general information only and is not financial advice. Confirm exact figures with your bank, lender or a qualified advisor.