Includes 2-page detailed calculation analysis, algorithm definition, formula breakdown, and milestone schedule.
Breakdown of your total value
Total Value
₹58,08,477
over 10 years
Transparency into how your SIP Calculator numbers are derived, step-by-step mathematical formulation, and key milestone projections.
A geometric progression compounding algorithm for recurrent cash inflows executed at the beginning of each calendar month (annuity due). Each monthly tranche compounds independently at periodic interest i = Rate / 12 over its individual residual holding period.
Wealth Multiplier
1.94x
Capital multiplication factor
Net Gain
+93.6%
Total return over investment
Compounding Share
48%
Of total corpus came from returns
Real Value (6% infl.)
₹32,43,423
Purchasing power in today's money
FV = P × [((1+i)^n - 1) / i] × (1+i)The annuity due formula accounts for the immediate deployment of monthly contributions, multiplying by (1 + i) to reflect initial-day deposit timing.
| Milestone | Monthly SIP | Total Invested | Est. Returns | Total Corpus |
|---|---|---|---|---|
| Year 1 | ₹25,000/mo | ₹3,00,000 | ₹20,233 | ₹3,20,233 |
| Year 2 | ₹25,000/mo | ₹6,00,000 | ₹81,080 | ₹6,81,080 |
| Year 3 | ₹25,000/mo | ₹9,00,000 | ₹1,87,691 | ₹10,87,691 |
| Year 5 | ₹25,000/mo | ₹15,00,000 | ₹5,62,159 | ₹20,62,159 |
| Year 10 | ₹25,000/mo | ₹30,00,000 | ₹28,08,477 | ₹58,08,477 |
Power of Compounding: Your returns account for 48% of your final corpus, meaning returns surpass your actual out-of-pocket deposits.
Dollar-Cost Averaging: Investing monthly removes the need to time market peaks and valleys, steadily accumulating units at average prices.
Step-Up Advantage: Increasing your monthly SIP by just 10% each year can add up to 35-45% more wealth over the same duration.
SIP allows you to invest a fixed amount regularly in mutual funds. It promotes financial discipline, automates savings, and harnesses the exponential power of compounding over long investment horizons.
Automatically buy more fund units when prices are down and fewer when prices are high.
Reinvested returns generate returns of their own, creating exponential curve growth over 10+ years.
Equities historically beat inflation by 4-6% p.a., safeguarding your future purchasing power.
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. This SIP calculator shows what those monthly instalments could grow to, splitting the result into the amount you invested and the returns compounding on top of it.
These calculators are for illustration only. Returns shown are estimates based on the inputs you provide and are not a guarantee of future performance. Mutual fund investments are subject to market risks; read all scheme related documents carefully.