What return should I assume?

Nobody knows. Indian equity indices have historically returned somewhere around 11–13% over long periods, but the past is not a promise. Running the numbers at 10% and at 14% shows how much the answer depends on the guess.

Is a SIP safer than investing a lump sum?

It spreads the entry price across many months, which reduces the risk of buying everything at a peak. It does not protect against a falling market — the units you already hold fall with it.

Does this account for tax?

No. Equity gains held over a year are taxed as long-term capital gains above the exemption limit, and the rates change. The projection is pre-tax.

What happens if I stop halfway?

Contributions stop; the existing units keep compounding. Stopping at fifteen years of a thirty-year plan leaves far less than half, because the final years do the most work.

SIP Calculator

Projects what a monthly investment could grow to at an assumed rate of return, and shows how much of the result is your contribution and how much is growth.

Runs in your browser — nothing is uploaded

Your plan

Monthly investment

Expected return% per year

Time periodyears

Annual step-up%

Raise your instalment each year as your income grows

Projection

Estimated value

₹11,61,695

after 10 years

You invest

₹6,00,000

Estimated gains

₹5,61,695

The maths is exact; the return is an assumption. Real markets vary year to year, so run this at a few rates — 8%, 10%, 12% — and treat the spread as the honest picture.

Need this as an API?

Why use it

Built to be genuinely useful

Separates contribution from growth

The figure that matters is how much of the total you did not pay in. On a long horizon it is most of it, and that is the entire argument for starting early.

An assumption, labelled as one

The rate you enter is a guess about the future. The result is arithmetic on that guess, not a forecast, and the page says so.

Nothing is uploaded

The arithmetic runs in your browser. Salary, marks and tax figures are nobody else's business, and none of it is sent anywhere.

Free, no sign-up

No account, no limit on how many times you run it, and no result held back.

How it works

Three steps

1
Enter the monthly amount, the assumed annual return and the number of years.
2
Read the projected value and the split.
3
Change the years to see what time does.

Time matters more than the amount

₹5,000 a month for thirty years at an assumed 12% projects to roughly ₹1.76 crore, of which ₹18 lakh is what you paid in. The same ₹5,000 for fifteen years projects to about ₹25 lakh. Half the time produces well under a sixth of the result.

That is compounding, and it is why the most valuable variable in this calculation is the one nobody can buy back. Someone starting at twenty-five with a modest amount typically ends ahead of someone starting at thirty-five with double, and no increase in contribution fully closes the gap.

What this projection is not

It assumes a constant return, and no market delivers one. A fund averaging 12% over twenty years will have had years of 30% and years of −20%, and the order in which those arrive changes the outcome — badly so if the poor years land near the end.

It also ignores inflation, expense ratios and tax. ₹1.76 crore in thirty years is not ₹1.76 crore in today's money; at 6% inflation it is worth roughly ₹30 lakh. Reducing the assumed return by the inflation rate gives a projection in today's terms, which is the one worth planning against.

FAQ

Questions people ask

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