Use whole-month durations: 0.5 years = 6 months and 1.5 years = 18 months, up to 30 years. Returns are estimates, not guarantees.
120 monthly payments · values shown to the nearest paise.
Investment Details
Enter your SIP parameters
₹5,000.00
₹0₹1L
10 yrs
0.5 yr30 yrs
12%
0%30%
Investment Breakdown
Principal vs gains at maturity
Invested
₹6.0L
Gains
₹5.6L
Total Investment
₹6,00,000.00
Amount invested
Expected Gains
₹5,61,695.38
Returns earned
Total Value
₹11,61,695.38
Final portfolio
Year-wise Growth
Investment vs total value over time
Year-wise Breakdown
Cumulative investment and returns
| Year | Invested | Value | Gain |
|---|---|---|---|
| Y1 | ₹60.0K | ₹64.0K | ₹4.0K |
| Y2 | ₹1.2L | ₹1.4L | ₹16.2K |
| Y3 | ₹1.8L | ₹2.2L | ₹37.5K |
| Y4 | ₹2.4L | ₹3.1L | ₹69.2K |
| Y5 | ₹3.0L | ₹4.1L | ₹1.1L |
| Y6 | ₹3.6L | ₹5.3L | ₹1.7L |
| Y7 | ₹4.2L | ₹6.6L | ₹2.4L |
| Y8 | ₹4.8L | ₹8.1L | ₹3.3L |
| Y9 | ₹5.4L | ₹9.7L | ₹4.3L |
| Y10 | ₹6.0L | ₹11.6L | ₹5.6L |
How SIP Works
SIP (Systematic Investment Plan) lets you invest a fixed amount monthly in mutual funds.
Over time, compounding grows your returns significantly — small regular investments build large wealth.
FV = P × [((1+i)^n − 1) / i] × (1+i)
Where P = Monthly amount, i = Monthly rate, n = Total months
Why Invest via SIP?
- Rupee cost averaging reduces market risk
- Start with as little as ₹500/month
- Disciplined investing builds long-term wealth
- Tax benefits under ELSS (Section 80C)
- Easy to start, modify, or stop anytime