How it works
The projection adds a monthly contribution and applies a constant monthly growth rate. With start-of-month contributions, the new contribution earns that month’s return. An annual step-up changes the contribution after every 12 deposits.
Inputs and units
| Input | Example value | What to enter |
|---|---|---|
| Monthly investment | ₹10,000.00 | Required unit: ₹. Use a non-negative value. |
| Expected annual return | 12 % | Enter the percentage as a number: for 15%, enter 15. Use the annual rate. Use a non-negative value. Allowed range: 0–100. |
| Investment period | 10 years | Required unit: years. Use a whole number. Must be greater than zero. Allowed range: 1–50. |
| Annual contribution increase | 0 % | Enter the percentage as a number: for 15%, enter 15. Use the annual rate. Use a non-negative value. Allowed range: 0–100. |
| Contribution timing | Start of each month | Check the selected option before calculating. |
Worked example
Show example inputs and results
This example is generated by the same calculation engine using the starting values in the form. Your own inputs produce your own result.
- Monthly investment
- ₹10,000.00
- Expected annual return
- 12 %
- Investment period
- 10 years
- Annual contribution increase
- 0 %
- Contribution timing
- Start of each month
Complete example results
- Projected investment value
- ₹23,23,390.76
- Total contributions
- ₹12,00,000.00
- Projected growth
- ₹11,23,390.76
- Monthly contribution in final year
- ₹10,000.00
Reading the result
Match the rate period to the payment period. Fees and taxes absent from the inputs are not added automatically; compare totals with the same cost coverage.
When does the annual step-up begin?
With a 10% step-up, a ₹10,000 monthly contribution stays ₹10,000 for the first 12 deposits, becomes ₹11,000 for the next 12 and ₹12,100 in year three. Compare both final value and total contributions because the stepped plan invests more money.
Why two SIP calculators can disagree
Start-of-month deposits receive one additional month of growth relative to end-of-month deposits. This tool divides the nominal annual rate by 12; using an effective annual-to-monthly conversion produces a different result. Neither convention forecasts market returns.
Compare different scenarios
Inputs held constant: Monthly investment: 10,000 ₹ · Expected annual return: 12 % · Investment period: 10 years · Contribution timing: Start of each month.
| Annual contribution increase | Projected investment value | Total contributions |
|---|---|---|
| 0 % | ₹23,23,390.76 | ₹12,00,000.00 |
| 5 % | ₹27,86,942.32 | ₹15,09,347.10 |
| 10 % | ₹33,74,326.26 | ₹19,12,490.95 |
Questions and answers
Can I use the example values for my own calculation?
The example values illustrate the calculation. Replace every input with your own information, especially dates, rates and the selected operation.
Is the expected return guaranteed?
No. A SIP is an investment method, not a fixed return product. Market returns vary. This illustration ignores fees, taxes, inflation and actual purchase dates.
Why are some results rounded?
Results display up to 8 decimal places. Calculations use the unrounded values; very small values use scientific notation. JavaScript floating-point arithmetic can introduce tiny rounding differences.
Are my inputs sent to a server?
The calculator processes inputs in your browser. Its code does not send your values to a server.
Method sources: investor.sebi.gov.in
Data version: 2026-10-08 · Methods & accuracy