What this SIP page actually computes
Monthly contribution, a constant assumed return, and tenure go into the future-value-of-annuity formula with monthly compounding. Inflation, if you leave it on, deflates that corpus into today's rupees. It does not pull live NAVs, subtract expense ratio, or pause the SIP when markets fall.
Default 12% is an illustration. ₹10,000 a month for 20 years at 12% is about ₹99.9 lakh nominal and about ₹31.2 lakh in today's goods at 6% inflation. Run 8% as well. Why 12% is not a forecast and how inflation is applied are the method notes. This page is the worksheet.
Watch the gap: invested vs 8% vs 12%
Motion is the same maths as the worksheet. Reduced-motion browsers skip the grow.
Calculator education
When to use this calculator
Use this page when you want to see how a monthly contribution could grow under a return and inflation rate you choose. It is a planning worksheet for salary-funded investing, not a fund picker.
How to read your result
Invested amount is what you put in (monthly SIP × months). Estimated returns are the gap between that sum and the illustrated total value. Total value is the future-value-of-annuity result at a constant monthly rate. Real value (if inflation is on) is that total deflated into today’s rupees.
At a 12% assumed annual return the illustration can look large. That is the slider, not a market forecast. Run a lower rate on the same tenure before you treat the screenshot as a plan.
Key assumptions and limitations
- Return and inflation are constant rates you type; they do not follow live NAVs or CPI prints.
- Contributions are modelled monthly with monthly compounding in the SIP formula used on this site.
- The SIP never pauses, and expense ratio, exit load, and tax are outside the main result (tax notes on the page are separate illustrations).
Common mistakes
- Treating the default 12% as a forecast instead of an illustration.
- Planning from the nominal crore and ignoring the inflation-adjusted line.
- Comparing this SIP path with a lumpsum you do not actually have today.
Related guides
Related calculators
The SIP result is a mathematical illustration at the rates you entered. It cannot predict market returns or future inflation. Full disclaimer.
Author / methodology
What I check on this SIP illustration
- I run 8% as well as 12%. If the plan only works at 12%, it is not a plan.
- I look at the inflation-adjusted line, not the crore. ₹10,000 a month for 20 years at 12% is about ₹99.9 lakh nominal and about ₹31.2 lakh of today’s goods at 6%.
- I ask whether the debit still fits next year’s rent. The formula never pauses the mandate.
Who you are actually dealing with in a mutual-fund SIP
The AMC is not a bank. The distributor is not the fund. This page models neither of their contracts.
| Counterparty | What they can do | What they cannot guarantee |
|---|---|---|
| Asset management company | Run the scheme, charge TER, change the fund manager, follow the SID | A 12% screenshot, a floor NAV, or DICGC cover |
| Registrar / platform | Debit the SIP, allot units, show a folio | That the debit will fire in a market halt or a failed mandate |
| You | Pause, skip, or stop without a court case | That skipping months still matches this annuity formula |
Read the SID and TER of the scheme you will actually buy. This worksheet is a constant-rate annuity, not that scheme.
You contribute ₹24 lakh in every bar. Only the constant rate changes. Not market history.