Every calculator on this site that compounds over years prints a table. I put it there because a single maturity number hides the path. People plan with the path: “when do I cross 50 lakh?”, “how much of this EMI is still interest?”, “did inflation already eat year 8?”. This note is how to read those rows without treating them like a passbook.
SIP, lumpsum, step-up: invested versus value
On the SIP calculator, amount invested is contributions to date (monthly SIP × months). Future value is the compounded corpus at that year-end at your constant expected return. If inflation is on, real value is that future value divided back to today’s rupees at that year. Year 10 real is not “year 10 nominal minus 10 times 6%.” It is a level deflator for that horizon.
Lumpsum rows keep invested equal to the opening cheque. Value grows at (1 + r)year. That is annual compounding on the lumpsum engine, which is not the same as the SIP engine’s monthly compounding. If you compare a SIP table to a lumpsum table, keep the rate and the end year the same, and do not invent a lumpsum you do not have. SIP vs lumpsum is the comparison; the tables are the evidence.
EMI: principal versus interest
The EMI calculator amortisation is the opposite story. Early years are mostly interest. That is reducing balance, not a bug. If you are deciding a prepayment, look at how much principal is still left in year 3, not at the EMI, which stays flat. Prepay versus SIP uses that leftover principal as the thing you are actually buying down.
SWP: withdrawn versus remaining
SWP rows show how much you took that year and what is left. If remaining hits zero before the tenure ends, the illustration ran out of money at the constant return you typed. Real markets can run out earlier because returns are lumpy. Sequence risk explains why a healthy-looking average still fails.
What a year-end row is not
It is not NAV history. It is not your CAMS/KFintech statement. It does not include expense ratio drag unless you lowered the return slider to approximate it. It does not skip SIPs you missed in March. I would rather you treat a jump between year 7 and year 8 as “the formula at a flat 12%” than as a prediction that year 8 will be kind.
Export to PDF or Excel when you want to sit with a spouse or a SEBI-registered adviser without re-typing sliders. The file is a worksheet with my name on the site, not an audit. If a row and a paragraph disagree, trust the sliders you set and the formula box on that calculator.