Reference 1
- Monthly SIP
- INR 5,000
- Return
- 12%
- Tenure
- 10 years
- Step-up
- 0%
- Maturity
- INR 11.6 L
ಹಣಕಾಸು
SIP Calculator
Calculate the maturity value of a monthly SIP with expected annual returns, tenure, and optional yearly step-up contributions.
ಸೂತ್ರ ವಿವರಣೆ
FV = sum of each monthly SIP x (1 + r) ^ remaining monthsA SIP grows because every monthly installment compounds for a different number of months. When step-up is used, the monthly SIP amount increases each year before being compounded.
Step-by-Step Example
- 1Convert annual return to monthly return: monthly rate = annual return / 12 / 100.
- 2For every month, calculate that month's SIP amount after applying annual step-up if any.
- 3Compound each installment from its investment month until the end of the tenure.
- 4Add all compounded installments to get maturity value, then subtract invested amount to estimate returns.
Sources & assumptions
SEBI Investor: compound interest
Compounding principles. Returns are assumptions, not guaranteed investment performance.
Reference
ಬೆಂಚ್ಮಾರ್ಕ್ ಟೇಬಲ್
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Reference 2
- Monthly SIP
- INR 10,000
- Return
- 12%
- Tenure
- 15 years
- Step-up
- 0%
- Maturity
- INR 50.5 L
Reference 3
- Monthly SIP
- INR 10,000
- Return
- 12%
- Tenure
- 15 years
- Step-up
- 10%
- Maturity
- INR 82.5 L
Reference 4
- Monthly SIP
- INR 25,000
- Return
- 12%
- Tenure
- 20 years
- Step-up
- 10%
- Maturity
- INR 4.9 Cr
ಪದೇ ಪದೇ ಕೇಳುವ ಪ್ರಶ್ನೆಗಳು
It compounds every monthly investment separately using the expected monthly rate and then adds the future value of all installments.
Annual step-up means increasing your SIP amount every year, usually to match salary growth or inflation. Even a small step-up can significantly increase the final corpus.
No. SIP returns from mutual funds are market-linked. This calculator uses an expected annual return only for planning and comparison.
SIP works well for regular income and disciplined investing, while lumpsum works when you already have surplus capital and can tolerate market timing risk.
Estimated maturity value
INR 50.46 L