SIP Calculator

How to read this sip calculator

The invested amount is your contributions; the gain or loss is the difference from the projected value. Try a lower return as well as your central estimate. This is a constant-return scenario, not a prediction of fund performance.

Worked example

₹1,000 each month for one year at 0% gives ₹12,000 invested and ₹12,000 projected value. At an effective annual 12%, beginning-of-month contributions give approximately ₹12,766.50.

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Method and assumptions

The monthly growth factor is (1 + annual return) raised to 1/12. Each month adds the contribution before growth. An end-of-month contribution convention would give a different result.

Contributions arrive at the beginning of each month. The entered return is an effective annual return, converted to an equivalent monthly rate. Negative returns above −100% are supported. Returns stay constant; fees, taxes and inflation are excluded.

Checks and limitations

Example and model checked on 2026-09-12. These are software calculation checks, not a professional review of your finances. Displayed rupees may differ slightly from unrounded totals.

This is a mathematical model; it does not quote a specific financial product.

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