SIP calculator
A Systematic Investment Plan puts a fixed amount into a scheme every month, so you buy more units when markets are low and fewer when they are high. Set the three numbers below to see what that adds up to.
Long-run Indian equity funds have tended to sit in the 10–14% range, but no return is assured. Debt funds sit lower.
Value after 15 years
₹50,45,760
About 50.46 lakh rupees
You invest
₹18,00,000
Growth
₹32,45,760
You put in ₹18,00,000 across 180 instalments. At 12.0% a year that becomes ₹50,45,760 — about 2.8× what you contributed.
How it builds up
The gap between the two lines is growth. It stays narrow for years and then widens sharply — which is the whole argument for starting early.
One change worth considering
What this calculation assumes
- Instalments are invested at the start of each month and the return is applied monthly at one-twelfth of the annual rate. This is the same convention AMFI and the major fund platforms use, so the figure should match what you see elsewhere.
- Returns are assumed to be steady. Real markets are not — the same average delivered in a different order produces a different result, particularly if you need the money at a fixed date.
- No exit load, stamp duty or capital gains tax is deducted. Equity funds held over a year are currently taxed at 12.5% on gains above ₹1.25 lakh in a financial year.
Important — This calculator is an illustration based on the assumptions you enter. It is not a projection or guarantee of returns, and it does not account for exit loads, stamp duty or the taxes payable on redemption. Actual returns will differ. Please consult us before acting on any figure shown here.
Want this turned into an actual plan?
A calculator gives you a number. Choosing the schemes, the split between equity and debt, and the order you fund your goals in is the part that needs a conversation. Leave your number and we will call you — there is no charge for the discussion, and no obligation to invest.
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