What this SIP calculator estimates
Choose a fixed monthly contribution, an assumed annual return and a whole number of years. The result shows total contributions and projected growth. The 12% starting value is an example, not an expected market return or recommendation.
Formula and deposit timing
The model assumes each contribution is invested at the beginning of the month. With monthly payment P, monthly rate r = annual assumption ÷ 12 and n months, future value = P × ((1+r)^n − 1) ÷ r × (1+r). At 0%, future value equals P × n. Banks and other calculators may use different timing or annual-rate conventions.
For ₹5,000 per month over 10 years, contributions total ₹6,00,000. At a 12% annual assumption divided monthly, the model projects approximately ₹11.62 lakh. This is a scenario, not a promise. Market losses and changing returns are not simulated by a constant-rate calculation.
What is not included?
This widget does not add annual contribution increases, an initial lump sum, taxes, fund expenses or inflation. A step-up SIP needs a changing-contribution model. To estimate purchasing power, divide a projected future value by (1 + assumed annual inflation)^years. That adjustment remains an assumption.
How to use the result
Try several return assumptions, including zero, and compare the contributions with the projected growth. Avoid choosing a fund only because a high assumed return makes a target appear achievable. SIP is a contribution method, not a guarantee of safety.
Sharing and privacy
The optional WhatsApp button prepares a message containing your contribution and projected value. Opening it passes that message to WhatsApp; you choose whether to send it. Do not share information you consider private.
Common questions
Can this predict when I will become a crorepati?
No. It can show when a fixed scenario reaches that amount, but future returns and your contributions may differ.
Does the result include tax or inflation?
No. Those depend on assumptions and rules outside this widget.
Is it connected to SBI, HDFC or Groww?
No. This is an independent calculator and does not access accounts or offer a product from those providers.
Read AMFI information for further mutual-fund education. Compare a one-time contribution using our Lumpsum calculator. Educational estimates only; actual investment returns can differ substantially.