SIP Calculator
A fixed amount invested every month, compounding at an expected rate of return — the projected value at the end, and how much of it is actually gains versus money put in.
SIP calculator
The future value of a fixed monthly investment, assuming a constant monthly-compounded return — plus the full year-by-year growth, not just the final number.
| Year | Invested so far | Gains so far | Value |
|---|---|---|---|
| 1 | ₹60,000 | ₹4,047 | ₹64,047 |
| 2 | ₹1,20,000 | ₹16,216 | ₹1,36,216 |
| 3 | ₹1,80,000 | ₹37,538 | ₹2,17,538 |
| 4 | ₹2,40,000 | ₹69,174 | ₹3,09,174 |
| 5 | ₹3,00,000 | ₹1,12,432 | ₹4,12,432 |
| 6 | ₹3,60,000 | ₹1,68,785 | ₹5,28,785 |
| 7 | ₹4,20,000 | ₹2,39,895 | ₹6,59,895 |
| 8 | ₹4,80,000 | ₹3,27,633 | ₹8,07,633 |
| 9 | ₹5,40,000 | ₹4,34,108 | ₹9,74,108 |
| 10 | ₹6,00,000 | ₹5,61,695 | ₹11,61,695 |
Educational illustration only, not investment advice. Assumes a constant monthly return for the entire period — real market-linked investments fluctuate, and past returns never guarantee future ones. Notice how gains accelerate in the later years as compounding builds on itself.
The formula
FV = P × ( ((1 + r)ⁿ − 1) / r ) × (1 + r)Where P is the fixed monthly investment, r is the monthly rate of return (annual rate ÷ 12 ÷ 100), and n is the total number of monthly instalments. This is the standard formula for the future value of a series of equal payments made at the start of each period (an annuity due).
Why the gains accelerate later
In the early years, most of the future value is simply the money invested — gains are small because there hasn’t been much time for compounding to work. In the later years, a larger and larger share of the growth comes from returns on returns, not new money — which is why extending the time horizon tends to matter more than increasing the monthly amount.
Educational illustration only, not investment advice. Assumes a constant monthly return — real market-linked investments fluctuate, and this is a projection, not a guarantee.