SIP Calculator
Year by year
| Year | Put in that year | Total put in | Value at year end |
|---|
What the number does and does not tell you
A SIP calculator applies one rate of return to every month for the whole period. That is not how markets behave. Real returns arrive unevenly — a good year, a flat year, a bad one — and the order matters as well as the average. Two funds with the same average annual return can leave you with noticeably different amounts depending on when the bad years fell.
So the figure here is useful for comparing choices — fifteen years against twenty, ten thousand a month against fifteen — and useless as a prediction of what you will end up with.
Why the start of the month matters
A SIP debits at the start of the period, so each instalment earns for that whole month. Calculators that assume the money arrives at the end give a slightly smaller answer. Over long periods the gap is small but real, and this one uses the start, which is what actually happens.
Stepping up
Raising the instalment each year, in step with a salary increase, does more than the arithmetic suggests, because the increases happen early enough to compound. Try 10% and compare — the difference over twenty years is usually far larger than people expect.
The figure that actually means something
The inflation-adjusted total. A number that looks enormous twenty years out is measured in future rupees, which buy less. Adjusting it back to today's money gives you something you can judge against what things cost now.
What is left out
Expense ratios, exit loads and capital gains tax all reduce what you keep, and each depends on the fund and how long you hold. None of them is included here.
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Frequently Asked Questions
No, and no calculator can. It shows what a fixed rate of return would produce. Real markets do not deliver a fixed rate — they deliver a different figure every year, and the order those years come in changes the outcome. Treat this as arithmetic, not a forecast.
That is your judgement, which is why nothing is filled in as a promise. People often model equity funds somewhere in the low teens and debt funds much lower, but past returns are not a guarantee and a fund can lose money over any period you care to name.
Because the rate is divided by twelve to get a monthly figure, which is what every SIP calculator does. Typing 12 means 1% a month, and 1% compounded twelve times comes to 12.68% over the year. The effective rate is shown in the table so you can see it rather than having to work it out.
At the start, which is how a SIP actually works — the money is debited and invested, then it earns for that month. Calculators that assume the end of the month give a slightly lower figure.
Raising the instalment by a set percentage every year, usually alongside a salary increase. It makes a large difference over long periods, because the extra money goes in early enough to compound.
Because ₹1 crore in twenty years will not buy what ₹1 crore buys now. The adjusted figure is what the final amount is worth in today's money, which is the number that actually tells you something.
No. Expense ratios, exit loads and capital gains tax all reduce what you keep, and they vary by fund and holding period. The figures here are before all of that.