How it works
The projection adds a monthly contribution and applies a constant monthly growth rate. With start-of-month contributions, the new contribution earns that month’s return. An annual step-up changes the contribution after every 12 deposits.
Worked example
Show example inputs and result
Monthly investment: 10,000 · Expected annual return: 12 · Investment period: 10 · Annual contribution increase: 0 · Contribution timing: Start of each month.
- Projected investment value
- ₹23,23,390.76
- Total contributions
- ₹12,00,000.00
- Projected growth
- ₹11,23,390.76
- Monthly contribution in final year
- ₹10,000.00
Questions and answers
Is the expected return guaranteed?
No. A SIP is an investment method, not a fixed return product. Market returns vary. This illustration ignores fees, taxes, inflation and actual purchase dates.
Why are some results rounded?
Results display up to 8 decimal places. Calculations use the unrounded values; very small values use scientific notation. JavaScript floating-point arithmetic can introduce tiny rounding differences.
Are my inputs sent to a server?
The calculator processes inputs in your browser. Its code does not send your values to a server.
Method sources: investor.sebi.gov.in
Method reviewed: October 8, 2026 · Methods & accuracy