SIP Calculator
What a monthly SIP grows into over time.
SIP Calculator
What a monthly SIP grows into over time.
- Maturity value
- ₹58.08 lakh
- Total invested
- ₹30.00 lakh
- Estimated gains
- ₹28.08 lakh
Scenario comparison — Return scenario (% p.a.)
| Scenario | Maturity value | Total invested | Estimated gains |
|---|---|---|---|
| 8 | ₹46.04 lakh | ₹30.00 lakh | ₹16.04 lakh |
| 10 | ₹51.64 lakh | ₹30.00 lakh | ₹21.64 lakh |
| 12 | ₹58.08 lakh | ₹30.00 lakh | ₹28.08 lakh |
| 14 | ₹65.52 lakh | ₹30.00 lakh | ₹35.52 lakh |
How is this calculated?
Formula: Future value of a monthly investment compounded at the expected rate, with each instalment invested at the start of the month.
Example: ₹25,000 a month for 10 years at 12% grows to about ₹58 lakh on ₹30 lakh invested.
- Starting five years earlier usually beats investing a larger amount later.
- Step up the SIP with each salary revision.
- Returns are indicative — equity outcomes vary year to year.
Your entries are user inputs; rates and returns you cannot control are assumptions. Results are illustrative, not a statutory computation.
How this calculator works
Future value of a monthly investment compounded at the expected rate, with each instalment invested at the start of the month.
Example
₹25,000 a month for 10 years at 12% grows to about ₹58 lakh on ₹30 lakh invested.
Frequently asked questions
Are SIP returns guaranteed?
No. Market-linked returns vary; the rate you enter is an assumption, not a promise.
Should I step up my SIP?
Increasing the instalment with each salary revision usually beats extending the tenure. Use the Step-up SIP calculator to compare.
Statutory limits used here reflect FY 2025-26 (AY 2026-27). Results are illustrative and do not constitute tax, legal or investment advice. Speak to a Bluman Chartered Accountant before acting on them.
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