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Estimate SIP, lump sum, step-up SIP, and long-term investment growth — and plan for a target goal.
Pick a mode and adjust the inputs — results update instantly.
Invested every month
Assumed, not guaranteed
120 months
Raise SIP each year (optional)
Every chart is built from the same projection, so totals always match the cards and table.
Of the future value
Invested vs estimated value by year
How the gap widens with compounding
Growth attributable to returns
Invested amount vs estimated value as your money compounds. Duration: 10 years.
| Year | Annual investment | Total invested | Estimated value | Est. returns | Multiplier |
|---|---|---|---|---|---|
| Year 1 | ₹60,000 | ₹60,000 | ₹64,047 | ₹4,047 | 1.07x |
| Year 2 | ₹60,000 | ₹1,20,000 | ₹1,36,216 | ₹16,216 | 1.14x |
| Year 3 | ₹60,000 | ₹1,80,000 | ₹2,17,538 | ₹37,538 | 1.21x |
| Year 4 | ₹60,000 | ₹2,40,000 | ₹3,09,174 | ₹69,174 | 1.29x |
| Year 5 | ₹60,000 | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 | 1.37x |
| Year 6 | ₹60,000 | ₹3,60,000 | ₹5,28,785 | ₹1,68,785 | 1.47x |
| Year 7 | ₹60,000 | ₹4,20,000 | ₹6,59,895 | ₹2,39,895 | 1.57x |
| Year 8 | ₹60,000 | ₹4,80,000 | ₹8,07,633 | ₹3,27,633 | 1.68x |
| Year 9 | ₹60,000 | ₹5,40,000 | ₹9,74,108 | ₹4,34,108 | 1.80x |
| Year 10 | ₹60,000 | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 | 1.94x |
A planning tool that estimates how an investment could grow over time at an assumed annual return, splitting the result into the amount you invest and the estimated returns.
A Systematic Investment Plan lets you invest a fixed amount every month. It builds discipline and averages your purchase cost across market ups and downs.
Investing a larger amount at once so the full sum starts compounding from day one, rather than spreading it across months.
SIP suits regular income and reduces timing risk; lump sum puts money to work immediately. Many investors use a mix of both.
A SIP where you raise the monthly amount by a fixed percentage each year — often in line with salary growth — which can significantly increase long-term value.
Returns get reinvested and start earning their own returns. Over long periods this snowball effect drives most of the wealth created.
A longer horizon gives compounding more time, so even small monthly amounts can grow into large sums over 20–30 years.
The assumed yearly growth rate you enter. It is an assumption for planning, not a prediction — real returns vary year to year.
Funds invest in market-linked assets whose value rises and falls. Past performance does not guarantee future returns.
Enter a target amount, duration and any existing lump sum; the tool estimates the monthly SIP needed at your assumed return to reach it.
It is a planning tool that estimates how much your SIP or lump sum investment could grow to over time at an assumed annual return, showing your total invested amount, estimated returns and future value.
It uses monthly compounding: FV = SIP × [((1 + i)^n − 1) / i] × (1 + i), where i is the monthly rate (annual return ÷ 12) and n is the number of months. SIPs are estimated as invested at the start of each month.
With annual compounding: FV = amount × (1 + annual return)^years. The whole amount stays invested from day one.
A step-up SIP increases your monthly contribution by a fixed percentage every year — for example 10% — so your investment grows along with your income, which can meaningfully boost long-term value.
Neither is universally better. SIP spreads investing across time and suits regular income; lump sum puts money to work immediately. The right choice depends on your cash flow and risk comfort — this tool is for comparison, not advice.
No. Mutual funds are market-linked and returns are not guaranteed. The figures here are estimates based on the return you assume; actual results will vary.
Use a realistic long-term assumption for the fund category you have in mind. This calculator does not predict returns — it simply projects growth at the rate you enter.
Yes. Switch to Goal planning mode, enter your target amount, duration and any existing lump sum, and it estimates the monthly SIP you would need at the assumed return.
Because of compounding — returns start earning their own returns. A few extra years late in the journey can add a large amount because the base has grown so much.
It is your future value divided by the total amount you invested. A 2x multiplier means your money is estimated to double over the period at the assumed return.
No. It is an educational projection at a fixed assumed return. Real returns fluctuate year to year and cannot be predicted.
No. Enter a return that is net of expenses if you want to account for them, since fund expense ratios reduce your actual returns.
No. It shows pre-tax estimates. Capital gains tax and other charges will reduce your real take-home returns.
Yes, as a growth estimate. ELSS funds have a 3-year lock-in and tax-saving benefits that this calculator does not model, so treat the figure as an approximate projection.
Disclaimer: This mutual fund calculator provides estimates only. Mutual fund investments are market-linked and returns are not guaranteed. Actual returns may vary based on market performance, fund category, expense ratio, exit load, taxes, investment timing, and other factors. This tool is for educational planning only and should not be treated as investment advice.