How to use SIP Calculator
A systematic investment plan describes regular contributions; it does not promise a fixed return. This calculator applies one hypothetical monthly growth rate to every contribution so you can explore a savings scenario. Actual investments may rise or fall.
A start-of-month contribution has one additional month to grow compared with an end-of-month contribution. Choose the timing that matches your scenario. The default divides a nominal annual rate by 12; the advanced options can instead convert an effective annual return to its equivalent monthly rate.
Compare a lower return scenario as well as your preferred assumption. The difference between the future value and your contributions is estimated growth before costs, taxes or inflation. This calculator does not recommend a fund or predict market performance.
The formula
A worked example
Monthly investment (₹): 5000 · Annual rate (%): 10 · Duration (months): 120 · Contribution timing: Start of each month · Annual contribution increase (%): 0 · Assumed annual inflation (%): 0 · Return convention: Nominal annual rate ÷ 12
Estimated future value: ₹10,32,760.10
The annual increase begins with month 13. Inflation only adjusts the displayed value in today’s money. Returns are hypothetical; fees and taxes are excluded.
Questions about this calculation
Are these returns guaranteed?
No. The return is a scenario you enter. Real market returns fluctuate and can be negative.
Does the payment date matter?
Yes. A beginning-of-month payment receives one more month of growth in this model.
Is the annual rate effective or nominal?
Choose the convention in More planning options. Existing links keep the default nominal annual rate divided by 12.
Formula checks: 2026-10-08. Assumptions & corrections.