Advanced SIP Calculator

Each monthly instalment is invested and then compounds for the remaining months. Your earliest instalments do most of the work, which is why starting sooner matters more than investing more later.

Many calculators treat 12 percent a year as 1 percent a month, which compounds to about 12.7 percent a year and quietly shows a bigger number. Here, 12 percent means 12 percent a year. On ₹10,000 a month for 10 years the difference is roughly ₹83,000.

There is no correct answer. Equity funds in India have historically averaged around 12 percent over long periods, but any single decade can be far above or below that. That is why the result is shown as a range. If your plan only works at the top of the range, it is not a plan yet.

A SIP that grows every year, usually in line with your salary. Raising a ₹10,000 SIP by 10 percent a year for 10 years puts in about ₹19 lakh instead of ₹12 lakh, and at 12 percent it grows to around ₹32.7 lakh instead of ₹22.4 lakh.

Prices rise every year, so a future amount buys less than the same amount today. At 6 percent inflation, ₹22.4 lakh in 10 years buys roughly what ₹12.5 lakh buys now. Switch the chart to today's money to see your plan in terms you can picture.

With the same average return, a weak stretch near the end of your SIP hurts far more than one at the start. Early falls let you buy cheaply; late falls hit the biggest balance just before you need it. That is why many people move money to safer options in the last two or three years before a goal. For a one-time investment the order does not change the final value.

Use the goal planner. Enter the amount in today's prices and the number of years, and it adds inflation, then works out the monthly SIP, a range if returns come in higher or lower, and the one-time amount that would do the same job.

No. This is arithmetic on numbers you enter. It cannot know your goals, your taxes or your risk tolerance, and it assumes returns that markets do not promise.