Model a regular monthly SIP contribution using an assumed annual return, then separate the amount invested from the projected gain and future value.
Monthly contribution · compounded scenario · contribution at period start| Year | Invested | Estimated growth | Projected value |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹8,093 | ₹1,28,093 |
| 2 | ₹2,40,000 | ₹32,432 | ₹2,72,432 |
| 3 | ₹3,60,000 | ₹75,076 | ₹4,35,076 |
| 4 | ₹4,80,000 | ₹1,38,348 | ₹6,18,348 |
| 5 | ₹6,00,000 | ₹2,24,864 | ₹8,24,864 |
| 6 | ₹7,20,000 | ₹3,37,570 | ₹10,57,570 |
| 7 | ₹8,40,000 | ₹4,79,790 | ₹13,19,790 |
| 8 | ₹9,60,000 | ₹6,55,266 | ₹16,15,266 |
| 9 | ₹10,80,000 | ₹8,68,215 | ₹19,48,215 |
| 10 | ₹12,00,000 | ₹11,23,391 | ₹23,23,391 |
Estimate SIP future value from monthly contribution, expected annual return and investment duration. See invested amount, estimated gains and projected value.
Figures are estimates for informational use and are not financial, tax or investment advice. Verify current provider and regulatory terms before making decisions.
SEBI investor education describes a Systematic Investment Plan as investing a fixed amount regularly in a mutual fund scheme. Toolmera models one monthly contribution amount repeated for the full selected period.
The calculator converts the expected annual return into a monthly rate and assumes regular compounding. The return is an input assumption, not a forecast or guarantee from Toolmera, SEBI or any mutual fund.
A monthly contribution of ₹10,000 for 120 months means ₹12,00,000 is invested in total.
Using a constant 12% annual return assumption and the calculator’s beginning-of-period contribution convention, the projected future value is about ₹23,23,391, including about ₹11,23,391 of modeled growth.
Mutual fund values fluctuate and actual returns are path-dependent. A smooth annual percentage is useful for scenario planning but it does not represent how a real scheme will move month by month.
SEBI requires risk disclosure for mutual funds and investor education materials emphasize that mutual fund investments carry risk. Use the calculator to compare assumptions, not to predict a specific outcome.
Set the contribution amount you want to model each month.
Use an assumed annual return and investment period for the scenario.
Compare total contributions with modeled growth and projected future value.
Reference material used for assumptions and regulatory context:
No. The annual return is only a scenario input. Actual mutual fund returns vary and can be negative over some periods.
It is the monthly contribution multiplied by the number of monthly instalments in the selected period.
No. The current projection is a simplified gross-return scenario and does not model scheme expenses, taxes or transaction-specific charges.
No. The calculator compares mathematical scenarios and does not evaluate scheme suitability, risk profile or investment recommendations.