Investing / Free calculator
SIP calculator
Explore how regular monthly investing could build over time, under a return assumption you choose.
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02 / The bigger picture
Estimated future value
₹9,00,621
With the example assumptions shown. An estimate, not a promise.
- Total contributed
- ₹6,00,000
- Modelled growth
- ₹3,00,621
View the yearly numbers
| Year | Principal | Value |
|---|---|---|
| 0 | ₹0 | ₹0 |
| 1 | ₹60,000 | ₹62,169 |
| 2 | ₹1,20,000 | ₹1,29,312 |
| 3 | ₹1,80,000 | ₹2,01,827 |
| 4 | ₹2,40,000 | ₹2,80,142 |
| 5 | ₹3,00,000 | ₹3,64,723 |
| 6 | ₹3,60,000 | ₹4,56,071 |
| 7 | ₹4,20,000 | ₹5,54,726 |
| 8 | ₹4,80,000 | ₹6,61,273 |
| 9 | ₹5,40,000 | ₹7,76,344 |
| 10 | ₹6,00,000 | ₹9,00,621 |
What this assumes
- Effective annual return converted to a monthly rate. Contributions arrive at the end of each month.
- Constant growth is an illustration. Market returns vary and losses are possible.
- Taxes, fees, expense ratios, exit loads and inflation are excluded.
Currency is rounded to the nearest rupee for display. See the method and limits ↓
Understand what is behind the number.
Formula and worked example
Monthly rate = (1 + annual return ÷ 100)^(1/12) − 1. Each month: new value = previous value × (1 + monthly rate) + contribution.
₹5,000 at the end of each month for 10 years, with a 12% effective annual return assumption, gives ₹6,00,000 contributed and approximately ₹11,09,650 in modelled value.
Limits, assumptions and sources
- Effective annual return converted to a monthly rate. Contributions arrive at the end of each month.
- Constant growth is an illustration. Market returns vary and losses are possible.
- Taxes, fees, expense ratios, exit loads and inflation are excluded.
Fields show the accepted input ranges. Results above ₹1 lakh crore are rejected. Limits are software modelling bounds, not recommendations or eligibility rules. Different compounding and contribution-timing conventions can produce different results in other calculators.
Methodology v1.0.0, reviewed as an educational scenario. Published 2026-10-30. Our sourcing and correction process.