Investing
SIP Lab
Model a monthly SIP five ways — and see how much of the result is your money and how much is the assumption.
A fixed amount every month
Estimated value
Illustration₹47,59,314
After 15 years at an assumed 12% a year.
- Invested
- ₹18,00,000
- Estimated growth
- ₹29,59,314
In plain words
₹10,000 a month for 15 years at an assumed 12% a year could grow to about ₹47.59 L, of which ₹18 L is what you put in.
SIP: invested vs estimated value
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01Method
How this is calculated
The same formulas run on the server and in your browser, documented in plain language. Every assumption is shown beside the result and you can change it.
- Default assumptions reviewed
- 4 Oct 2026
- Formula version
- 1.0.0
The annual return you enter is treated as an effective yearly rate, so twelve monthly steps compound to exactly that rate. Some calculators divide the annual rate by 12 instead, which shows slightly higher values.
i = (1 + r)^(1/12) − 1
Every SIP instalment is assumed at the start of the month. Adding up each instalment’s growth gives the future value of an annuity due.
FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i)
A step-up raises the SIP every 12 months, by a percentage or a fixed amount. A delayed start keeps the same end date, so the later plan simply has fewer months. A lumpsum compounds from day one alongside the SIP.
lumpsum FV = A × (1 + i)^n
For a goal, what you have already invested is grown to the end date first. The SIP needed is the remaining gap divided by the same annuity factor — solved exactly, not by trial and error.
P = (target − existing × (1 + i)^n) ÷ annuity factor
To see what a future amount could buy at today’s prices, it is divided by the growth in prices over the same period at the inflation rate you set.
value today = future value ÷ (1 + inflation)^years
Default assumptions are hypothetical round numbers chosen for illustration. They are not forecasts and not a view on any product. Change them to see how sensitive the result is.
02Questions
Good to know
More about how our tools work: all tool questions.
03Keep exploring
Understand first. Invest second.
Terms to know
- SIPA way to invest a fixed amount in a mutual fund at regular intervals, usually monthly, instead of investing everything at once.
- Step-up SIPAn SIP whose instalment rises at set intervals — usually yearly, by a fixed amount or percentage — so investing keeps pace with income.
- CompoundingEarning returns on past returns as well as on the original amount, so growth accelerates the longer money stays invested.
- Rupee cost averagingInvesting a fixed amount at regular intervals, so you buy more units when prices are low and fewer when they are high.
- Real returnYour return after accounting for inflation — the growth in what your money can actually buy.
Read next
Related tools
- Step-Up SIP CalculatorSee how raising your SIP each year changes the outcome.
- Cost of WaitingHow delaying your start changes the monthly investment a goal may need.
- Goal CalculatorInflation-adjusted cost of any goal and the illustrative monthly investment.
- Lumpsum CalculatorIllustrate how a one-time investment could compound.
Next step
Numbers are a start. A plan is better.
Take this result into a fuller plan, or talk it through with a CompoundX relationship manager — no obligation.