Invest today. A brighter tomorrow.
Plan smarter. Invest consistently. See realistic returns with inflation.
Your Investment could grow to
₹49,46,277
Estimated future value of your investment (at 12% p.a.)
12.0% p.a.A small delay can make a big difference due to compounding.
| Delay | Future Value | Loss vs Starting Now |
|---|---|---|
| Start Now | ₹49,46,277 | — |
| Delay by 1 Year | ₹43,33,294 | -₹6,12,983 |
| Delay by 3 Years | ₹33,06,539 | -₹16,39,738 |
| Delay by 5 Years | ₹24,97,901 | -₹24,48,376 |
See how your investment grows over time.
| Year | Invested (₹) | Value (₹) |
|---|---|---|
| 1 | 60,000 | 63,413 |
| 5 | 3,00,000 | 4,08,348 |
| 10 | 6,00,000 | 11,50,193 |
| 15 | 9,00,000 | 24,97,901 |
| 20 | 12,00,000 | 49,46,277 |
These are general assumptions used for planning purposes.
Time is your biggest advantage.
Small amounts add up to big wealth.
Grow your money faster than rising prices.
Plan your financial goals with confidence.
Same maths that Groww, ET Money and every AMC's own SIP calculator use underneath — a compound interest formula applied monthly.
A SIP calculator doesn't predict returns — no calculator can. What it does is take an assumed rate of return (the number you type in) and compound it the way mutual funds actually compound: monthly, with a fresh instalment added each month before interest is applied to the whole pot.
FV = P × [ ( (1 + i)ⁿ − 1 ) / i ]P = monthly SIP amount · i = expected annual return ÷ 12 · n = number of months
For a lumpsum, there is no monthly instalment to add — it is a single amount left to compound at your expected annual rate: A = P × (1 + r)ⁿ, where r is the annual rate and n is the number of years. Step-up SIPs use the same monthly formula, but the instalment itself increases by your chosen percentage at the start of every year, so the calculator simulates it month by month.
Two numbers this calculator adds that most don't default to: the inflation-adjusted value — what your future corpus is worth in today's rupees — and the cost of delay — the real rupee amount you lose by pushing your start date back.
The formula above is identical regardless of which AMC or platform you use — only the expected return assumption should change based on the fund's actual category and history.
Mutual fund investments are subject to market risks. Read all scheme-related documents carefully before investing. This calculator projects returns using an assumed constant annual rate you enter — it is an illustration of compounding, not a promise, guarantee, or prediction of actual fund performance. Past performance of any scheme is not indicative of future returns.