Lumpsum Calculator
Estimate what a one-time investment could grow to over a number of years at an expected rate of return.
SIP Calculator
See how a fixed monthly SIP could grow over time, and how much of the final amount comes from returns.
Your details
₹10,000 = 10 thousandAllowed range: ₹500 to ₹10,00,000
Allowed range: 1 to 30%
Allowed range: 1 to 40 yrs
Results
Estimated value after 10 years
₹23,23,391
- Total invested
- ₹12,00,000
- Est. returns
- ₹11,23,391
- Invested₹12,00,000(52%)
- Est. returns₹11,23,391(48%)
Growth year by year
- Invested
- Est. returns
Years along the bottom. Hover or tap a bar to see that year’s numbers.
Year-by-year table
| Year | Invested | Est. returns | Value |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹32,432 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹75,076 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹1,38,348 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹3,37,570 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹4,79,790 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹6,55,266 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹8,68,215 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹11,23,391 | ₹23,23,391 |
For illustration only. Assumes a constant rate of return, which real investments don’t deliver. Mutual fund returns are not guaranteed, and tax, fees and exit loads are not included. This is not investment advice.
Want a plan based on these numbers?
We can help you pick suitable schemes and set it up. See SIP Investments.
How this calculator works
- 1
Enter how much you plan to invest each month, the return you expect each year, and for how long.
- 2
Each instalment is assumed to be invested at the start of the month and to grow at the monthly rate (yearly rate ÷ 12).
- 3
Formula: Value = P × [(1 + i)ⁿ − 1] ÷ i × (1 + i), where P is the monthly amount, i the monthly rate, and n the number of months.
Frequently asked questions
What is a SIP?
A Systematic Investment Plan (SIP) invests a fixed amount in a mutual fund scheme at regular intervals, usually monthly. Each instalment buys units at that day's NAV.
What return should I enter?
There's no right number. Past returns of a fund category can give a rough idea, but they don't predict the future. Try a few different rates to see a range of outcomes, and keep your estimate conservative.
Are these results guaranteed?
No. The calculator assumes the same return every year, which never happens in real markets. Mutual fund returns go up and down and are not guaranteed. Use the result as a rough guide, not a promise.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns.
More calculators
Step-up SIP Calculator
See the effect of raising your SIP by a fixed percentage every year, for example as your income grows.
Goal Planner
Find the monthly SIP you may need for a goal like a child's education, a home or a car, after inflation.
Ready to plan your investments?
Talk to the RWAKKA team. Your first consultation is free and comes with no obligation.