SIP calculator: monthly investment returns
Illustrative monthly-contribution projection in INR using a user-entered non-negative nominal annual return, compounded monthly. Choose beginning- or end-of-month contributions. Not a return forecast.
Source parameters checked · version 2026-10-16 · review due 2027-01-16
Your inputs (INR)
Your estimate
A constant-rate illustration, not a return forecast or product guarantee.
View calculation breakdown
Methodology and rounding
With monthly contribution C, monthly rate r = nominal annual percentage / 1200, and n months, value = C × ((1+r)^n − 1) / r. At zero interest use C × n. Beginning-of-month contributions multiply the result by (1+r). Each year has 12 equal contributions.
Worked example
Total contributions: ₹6,00,000.00 · Modeled growth before taxes and fees: ₹3,14,730.18 · Projected value: ₹9,14,730.18
Assumptions and exclusions
- Excludes market volatility, investment losses, fees, taxes, exit loads and product-specific SIP rules.
- The annual assumption is divided by 12; it is not treated as an effective annual yield. Actual returns can be negative.
- Contributions are constant and made on time. Results are educational, not investment recommendations.
Questions about this estimate
Does this cover every transaction or product?
No. This tool covers only its stated assumptions. Review the exclusions and official sources before using an estimate.
Are my inputs stored or included in shared links?
No. Calculations and comparisons stay in this tab. The calculator-link action copies the page address without financial inputs. Copy results places the visible figures on your own clipboard.
Official sources and review
Supported rates/formula, stated circumstances and rounding checked against the linked primary sources. Exclusions remain outside the model. This is a limited source check and tested estimate, not professional tax certification.
The calculator stops returning estimates after its review date until its rule version is updated. Report a correction.
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Guides for this calculation
Country guides for this calculator
Read the guide for your market; a general calculator retains its own assumptions.
Publisher, sources and review status
Published by Numbriv editorial team. Full jurisdiction/rule review is not recorded as complete. Existing formula tests do not certify every local rule.
Calculation and editorial methodology · Tax-rule review log · Report a correction · Advertising disclosure
Explore India calculators and coverage in INR. This calculator retains its stated jurisdiction and assumptions.