Model monthly contributions, annual step-ups, and a constant assumed return. Results are hypothetical, before taxes, fees, and inflation; not a forecast.
Separate what you contribute from what you assume
A SIP is a schedule for investing, not a guaranteed return. Change the assumed rate to see how sensitive the result is;
include zero and negative scenarios rather than treating the default as a historical average or a promise.
This calculator uses monthly compounding at the entered annual rate divided by 12. You choose beginning- or end-of-month
contributions, and an optional increase at each 12-month anniversary. This is an illustrative nominal-rate convention,
not a simulation of market prices or the effective annual CAGR of a real fund.
Scenario inputs
Hypothetical result
Total contributed
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Modeled gain / loss
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Modeled final value
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Year-end values under the stated assumptions
Year
Monthly contribution that year
Cumulative contributions
Modeled value
A zero-return example
₹10,000 a month for 15 years contributes exactly ₹18,00,000. With a 0% return and no step-up, the final value is also ₹18,00,000. This simple check separates savings from growth.
Check a step-up without assuming any growth
Start at ₹1,000 a month, increase contributions by 10% after 12 months, use two years and a 0% return. Year one contributes ₹12,000 and year two ₹13,200: the final value is ₹25,200. The increase is additional savings, not investment performance.
How the formula works
For a flat monthly contribution P, monthly rate i, and n months, the end-of-month formula is P × ((1+i)n − 1) ÷ i. Beginning-of-month payments multiply that result by (1+i). At i = 0, use P × n. The implementation iterates monthly so it can also apply annual contribution increases. Negative scenarios can finish below the amount contributed.
What this cannot tell you
The model cannot predict fund returns, select a fund, calculate tax on redemption, or establish whether an investment suits your situation. See SEBI's investor education portal as a reference starting point, and check a scheme's official documents for risks and charges. This page is not an independently verified fund review.
Frequently Asked Questions
Why is the default 6%?
It is an editable illustration, not a measured average or expected fund return. Compare several assumptions including zero and negative returns.
Does this support step-up contributions?
Yes. The contribution increases by the entered percentage after every 12 contributions. The schedule shows the contribution amount used in each year.
Are taxes included?
No. Tax depends on the asset, dates, gains, residence, and applicable law. This calculator displays values before tax, fees, and inflation.
