15 years instead of 10
Estimated future value
₹41,79,243
₹21,13,722 more than current
SIP Calculator: See What Your Monthly Investment Could Grow To
How much could investing a fixed amount every month add up to over the years?
Use FinEdge's SIP Calculator to explore how your monthly investment, the time you have and the return you assume affect your future corpus.
See how much you would invest, how much growth your investment could generate and what happens when you change the inputs.
The interesting part is discovering how different choices today could change the outcome you are working towards.
Two ways to use this calculator
Calculate your monthly SIP's future value
Enter the amount you plan to invest every month, choose how long you want to continue and explore different return assumptions.
Your results update as you change the numbers.
years
%
- Estimated Future Value
- ₹20,65,520
- Total Amount Invested
- ₹12,00,000
- Estimated Investment Growth
- ₹8,65,520
By investing ₹10,000 every month for 10 years, you would contribute ₹12,00,000.
At an assumed annual return of 10%, your estimated corpus would be ₹20,65,520, including ₹8,65,520 from investment growth.
The next question is how this result fits the amount you're trying to build.
Compare with a Step-Up SIP Calculator.
Compare a Fixed SIP with a Step-Up SIPSee what a different choice could change
20% higher monthly SIP
Estimated future value
₹24,78,624
₹4,13,104 more than current
Different assumed annual return
Your assumption10%
Compare at8%
Estimated future value
₹18,41,657
₹2,23,863 less than current
What makes the biggest difference to your SIP result?
A useful SIP calculation reveals how three decisions work together.
How much you invest each month
Your monthly SIP determines how much money you put to work over time.
Increasing your contribution can make a meaningful difference to the final corpus. But the amount should also fit comfortably within your monthly income, expenses and other financial commitments.
A SIP that you can sustain is a stronger starting point than an ambitious amount that becomes difficult to continue.
How long you stay invested
Time plays an important role in the wealth you can build.
Compare the outcome over 10, 15 and 20 years. The additional years allow your contributions and accumulated growth more time to compound.
When you're investing towards a long-term goal, starting earlier can give you flexibility that may be harder to recover later.
The return you assume
Your return assumption affects the projected future value, particularly over longer investment periods.
Try different return scenarios while keeping the monthly contribution and investment period unchanged.
See how the final corpus changes. The comparison helps you understand how sensitive your goal may be to the investment return you are working with.
The FinEdge perspective:
Rather than beginning with the highest return you hope to earn, start with a contribution you can sustain and the time available for your goal. Then examine the investment approach and return required to make that goal achievable.
Is your monthly SIP enough for your financial goal?
A SIP of ₹5,000, ₹10,000 or ₹25,000 a month can mean very different things depending on what you're investing for.
The important question is whether the amount you could build is meaningful in relation to what your goal may require.
Saving for retirement
Your retirement corpus needs to support the lifestyle you want during the years after you stop working.
The Retirement Calculator helps you connect your future expenses, retirement age and existing investments with the corpus you may need.
Investing for your child's education
Education costs can change considerably over time. The amount you need will depend on your child's age, the education you are planning for and the years available to invest.
Explore how to connect your investments with your child's education goal.
Building long-term wealth
Wealth creation is also a valid financial goal. But it becomes more useful when you give it a purpose, a time horizon and a sensible contribution plan.
Understand how goal-based investing helps bring those elements together.
A SIP calculation becomes more useful when the projected corpus is compared with the actual goal, rather than viewed as an attractive number on its own.
What if you increase your SIP every year?
A regular SIP continues with the same monthly investment. But your ability to invest may change as your income and financial responsibilities evolve.
Increasing your contribution periodically can help you build a larger corpus over the same investment period.
For example, compare continuing with a fixed ₹10,000 monthly SIP against starting with ₹10,000 and increasing that contribution annually.
The Step-Up SIP Calculator lets you explore both approaches and see how the investment amount and projected corpus change over the years.
The right increase is one that improves your progress towards your goals while remaining comfortable within your financial life.
Compare a Fixed SIP with a Step-Up SIPHow does a SIP calculator work?
A Systematic Investment Plan (SIP) allows you to invest a chosen amount regularly in a mutual fund.
The SIP Calculator estimates the future value of those contributions using your monthly investment, investment period and assumed annual return.
The calculation works by considering each monthly contribution and the time available for that contribution to grow.
Contributions invested earlier have more time to compound than contributions made towards the end of the period.
For the displayed projection, the calculation uses monthly compounding at the selected annual rate and assumes that each monthly SIP instalment is invested at the beginning of the month.
The results bring together:
Total invested: The sum of all your monthly contributions.
Estimated growth: The additional value generated under the selected return assumption.
Estimated future value: Your total contributions plus the estimated investment growth.
These figures help you explore investment scenarios and understand how different contribution and time choices change the outcome.
How do you turn your SIP calculation into an investment plan?
Once you have explored the numbers, the next step is connecting them to your financial life.
Start with what you want your investments to achieve, how much time you have and what you can reasonably invest each month.
Your existing investments, other financial commitments and the risk appropriate for the goal also influence the strategy.
At FinEdge, we believe a good investment strategy should help you prepare responsibly for the future without unnecessarily compromising your life today.
The mathematics can show what a goal requires. A sound investment plan brings that requirement together with what is practical for you.
And as circumstances change, your contribution strategy can change too.
Explore SIP Investment Planning to understand how systematic investing fits into a broader investment journey.
If you already have several SIPs, a Mutual Fund Portfolio Review can help you examine how those investments work together towards your goals.
Turn your SIP estimate into a plan for your goals
A SIP is a useful way to build an investing habit. The more important decision is choosing an investment amount and strategy that work for the life you want to build.
FinEdge's Investment Managers help you connect your goals, contribution capacity, existing investments and time horizons into a structured investment journey.
Supported by technology and ongoing review, that relationship helps you keep making informed decisions as your circumstances and financial goals evolve.
Discuss Your SIP Plan with an Investment ManagerExplore Goal-Based InvestingMutual fund investments are subject to market risks. Please read all scheme-related documents carefully. Past performance is not a guarantee of future returns. SIP calculator outputs are illustrative estimates based on the values entered by the user and assume a constant annual return. Actual mutual fund returns are market-linked and may vary.