Year 1
- Added this year
- ₹1,20,000
- Invested to date
- ₹1,20,000
- Estimated gains
- ₹8,093
- Projected balance
- ₹1,28,093
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Investing over time
SIP Growth Calculator
See how much you contribute, what growth may add, and how inflation changes the value of the result.
Uses Indian household-planning assumptions. Changing currency changes the displayed units, not the underlying jurisdiction.
Build the projection
Years
Results update when an input changes. Review the key figures, projection and assumptions below.
- Projected value
- ₹33,74,326
- Total contributions
- ₹19,12,491
- Estimated gains
- ₹14,61,835
- Value in today’s money
- ₹18,84,206
- Using 6% inflation
Invested contributions and estimated gains build the projected corpus.
- Invested to date
- Estimated gains
Year 10
- Year
- 10 years
- Invested to date
- ₹19,12,491
- Estimated gains
- ₹14,61,835
- Projected balance
- ₹33,74,326
- Annual addition
- ₹2,82,954
Select a year to review its contribution and balance.
View full projection table| Year | Added this year | Invested to date | Estimated gains | Projected balance |
|---|---|---|---|---|
| 1 | ₹1,20,000 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| 2 | ₹1,32,000 | ₹2,52,000 | ₹33,241 | ₹2,85,241 |
| 3 | ₹1,45,200 | ₹3,97,200 | ₹79,210 | ₹4,76,410 |
| 4 | ₹1,59,720 | ₹5,56,920 | ₹1,50,403 | ₹7,07,323 |
| 5 | ₹1,75,692 | ₹7,32,612 | ₹2,51,958 | ₹9,84,570 |
| 6 | ₹1,93,261 | ₹9,25,873 | ₹3,89,861 | ₹13,15,734 |
| 7 | ₹2,12,587 | ₹11,38,461 | ₹5,71,067 | ₹17,09,527 |
| 8 | ₹2,33,846 | ₹13,72,307 | ₹8,03,649 | ₹21,75,956 |
| 9 | ₹2,57,231 | ₹16,29,537 | ₹10,96,963 | ₹27,26,501 |
| 10 | ₹2,82,954 | ₹19,12,491 | ₹14,61,835 | ₹33,74,326 |
Year 2
- Added this year
- ₹1,32,000
- Invested to date
- ₹2,52,000
- Estimated gains
- ₹33,241
- Projected balance
- ₹2,85,241
Year 3
- Added this year
- ₹1,45,200
- Invested to date
- ₹3,97,200
- Estimated gains
- ₹79,210
- Projected balance
- ₹4,76,410
Year 4
- Added this year
- ₹1,59,720
- Invested to date
- ₹5,56,920
- Estimated gains
- ₹1,50,403
- Projected balance
- ₹7,07,323
Year 5
- Added this year
- ₹1,75,692
- Invested to date
- ₹7,32,612
- Estimated gains
- ₹2,51,958
- Projected balance
- ₹9,84,570
Year 6
- Added this year
- ₹1,93,261
- Invested to date
- ₹9,25,873
- Estimated gains
- ₹3,89,861
- Projected balance
- ₹13,15,734
Year 7
- Added this year
- ₹2,12,587
- Invested to date
- ₹11,38,461
- Estimated gains
- ₹5,71,067
- Projected balance
- ₹17,09,527
Year 8
- Added this year
- ₹2,33,846
- Invested to date
- ₹13,72,307
- Estimated gains
- ₹8,03,649
- Projected balance
- ₹21,75,956
Year 9
- Added this year
- ₹2,57,231
- Invested to date
- ₹16,29,537
- Estimated gains
- ₹10,96,963
- Projected balance
- ₹27,26,501
Year 10
- Added this year
- ₹2,82,954
- Invested to date
- ₹19,12,491
- Estimated gains
- ₹14,61,835
- Projected balance
- ₹33,74,326
Formula and assumptions
Formula: Monthly contributions are added at the beginning of each month, then compounded using the nominal annual return divided by twelve.
- Returns are illustrative, constant and before product-specific costs or taxes.
- The annual step-up is applied once every 12 months.
- Today’s-money value discounts the final projection using the entered inflation rate.
Value basis: nominal unless a result explicitly says “today’s money” or “inflation-adjusted.”
Calculator version sip-2
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