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Project what a fixed monthly investment could grow into, see how much of the final corpus is your own money versus compounding, and download the year-by-year detail.
Step 1
Enter your monthly investment
The amount you plan to invest on the same date every month, without missing instalments.
Step 2
Set an expected return
Use a long-run annual average for the asset class you are investing in, not last year's return.
Step 3
Choose your horizon
Longer horizons let compounding do more of the work, so try a few durations to compare.
Projected corpus
₹2,08,962
After 15 years of monthly investing (180 instalments).
Total invested
₹90,000
180 instalments of ₹500.
Estimated returns
₹1,18,962
A SIP is an annuity due: each instalment is invested at the start of the month and then compounds for every month that follows. The earliest instalments therefore do the most work.
M = P × ((1 + i)ⁿ − 1) ÷ i × (1 + i)Maturity value
The projected corpus.
Monthly investment
The amount invested each month.
Monthly return rate
The expected annual return divided by 12 and by 100. A 12% annual return gives i = 0.01.
Number of instalments
The horizon in months, so 10 years is n = 120.
The trailing (1 + i) reflects investing at the start of each month. Total invested is simply P × n, and estimated returns are M − (P × n). When the expected return is zero the formula collapses to P × n.
A systematic investment plan is a repeated contribution, usually monthly. This calculator compounds those contributions at the annual rate you type. That rate is an assumption. It is not a fund’s past return and not a promise. Markets can return less, or lose money for years.
Read both columns. Invested amount is cash you put in. Estimated returns are what the assumed rate added in the illustration. If you stop contributing, that second column was never sitting in your bank. Expense ratios and tax on gains are not deducted here.
Longer horizons let compounding do more of the work in a smooth illustration — and they also magnify a too-optimistic rate. Try 10% and 12% on the same SIP. The gap after 20 years is the reason this site refuses to print a single “target corpus” as fact. For a rising instalment use the step-up SIP calculator. For money already in the bank use the lumpsum calculator. Guides: SIP vs lump sum, compounding.
Answers about the sip calculator.
Continue exploring adjacent tools in this topic.
Guides that explain the ideas behind these numbers.
A SIP is how you invest money you will earn later. A lump sum is how you invest money you already have. Treating them as rival products hides that difference.
A step-up SIP is a SIP whose instalment rises on a schedule. The extra growth comes from extra contributions, not from a special compounding trick.
There is no single percentage that fits every household. There is a method: today’s expenses, inflation, working years, years in retirement, and two return assumptions — all of which can be wrong.
Inflation is the reason a comfortable monthly expense today is not the number you should fund at retirement. Small rate differences become large corpus differences over decades.
These figures are estimates based on the values and assumptions you enter. Market returns are not guaranteed. Tax, brokerage and other rules can change. Finaura is an educational tool, not personalised financial, tax, investment or legal advice. Confirm important decisions with the relevant institution or a qualified professional.