SIP calculator
See what a monthly SIP or a one-time investment could grow to at a steady rate, how much of it is your own money, and what it is worth in today's rupees.
Your money and its growth, year by year
How the SIP figure is worked out
Each monthly instalment is invested at the start of the month and grows at the monthly rate, which is the yearly return divided by 12. Without a step-up this is the standard formula P × ((1 + i)n − 1) ÷ i × (1 + i), where P is the instalment, i the monthly rate and n the number of months. With a step-up, the instalment rises by that percentage at the start of each new year.
A lump sum grows once a year at the yearly return: amount × (1 + r)years.
The value in today's money divides the total by (1 + inflation)years, so you can see what it would buy now.
Why a real fund will not match this
Equity funds do not grow at a steady rate. Some years fall, some rise sharply, and the order of those years changes the result. Fund expenses, exit loads and tax on gains also reduce what you keep. Use this to compare amounts and time, not to predict a number.
Guides
Questions
What return should I use?
There is no right number. Many people try a few: lower for debt funds, higher for equity funds. Past returns do not tell you future returns.
Does a step-up SIP make a big difference?
Often yes, over long periods, because the larger later instalments still have years to grow. Try 0% and 10% with the same amount and time to see the gap.
Is the growth guaranteed?
No. Mutual fund returns are not fixed. This calculator shows what a steady rate would give, for illustration only.
Sources
For illustration only. Returns are not fixed and cannot be predicted. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Saifu does not sell or recommend funds.
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