How a 10% annual SIP increase changes the projection
Compare a fixed monthly SIP with one that rises annually, separating additional contributions from projected investment growth.
Read the guideSIP calculator
Small, regular investments. A bigger tomorrow.
Estimated future value
₹50,45,760
Total invested₹18,00,000
Estimated returns₹32,45,760
Total value₹50,45,760
Your money over time
Projected valueAmount invested
For illustration only. Read the assumptions below for the full picture.
Estimates, not promises. Explore different scenarios.
Understand your result.
A systematic investment plan spreads contributions over time. Use this SIP calculator in rupees to explore how a regular monthly investment could accumulate, separating your own contributions from projected growth.
Read the invested amount first, then the assumed growth. A larger projected corpus can come from contributing more, investing longer, or assuming a higher return; these changes have different implications.
A worked example.
Using this calculator’s default inputs, estimated future value is ₹50,45,760. This is an illustration of the stated formula, not a forecast.
See the example inputs
| Monthly investment | ₹10,000 |
|---|---|
| Expected annual return | 12 % |
| Time period | 15 years |
A common mistake to avoid
Treating a constant 12% example as a promised mutual-fund return.
Questions you might have.
Can I use this for a mutual fund SIP?
Yes, as an illustrative projection. Actual returns, fund costs, purchase dates and taxes can change the outcome. The tool does not select funds or forecast markets.
Are deposits at the start or end of the month?
This SIP tool assumes the start of each month. The Future Value calculator lets you compare contribution timing.
Prepared by INDwise · Calculation checks: 29 October 2026 · How we check the maths · Report a correction
How we calculate it
Monthly return = annual return ÷ 12. Each monthly contribution is invested at the beginning of the month and compounded monthly.
Assumptions & things to know
A constant return is illustrative. Mutual fund returns vary; taxes, exit loads and fees are excluded.
Your privacy & sharing
Your financial inputs are used only within this page. Saved calculators use this browser’s local storage. Sharing creates a link with the entered values, so anyone with that link can see those values. A downloaded summary stays on your device.