A consistent return rate assumes you stay invested through market crashes. Historically, equity SIPs of 10+ years have rarely returned less than 10% even through 2008, 2020. Pausing 12 months mid-tenure can cut your corpus by 5–10%.
Estimates based on assumed constant return rate. Actual returns vary with market.
Math verified for FY 2026-27
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Year-by-Year Breakdown
InvestedInvestment value
Year
Invested
Returns
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
End
₹12,00,000
₹11,23,391
₹23,23,391
Formula & SourceSIP Calculator
FV = P × [((1 + i)^n − 1) / i] × (1 + i)
where:
P = Monthly investment
i = R / 100 / 12 (monthly rate)
n = Y × 12 (total months)
Source: Standard SIP future value formula (ordinary annuity, monthly compounding)
Frequently Asked Questions
A Systematic Investment Plan lets you invest a fixed amount monthly in mutual funds. It builds wealth through rupee-cost averaging and compounding.
For equity mutual funds, 12-15% is reasonable for 10+ year horizons. Debt funds: 6-8%. Hybrid: 9-11%. Past performance is not a guarantee.
SIP is better when markets are volatile or for those investing from salary. Lumpsum can outperform in clear uptrends if invested at the right time.
Yes. SIPs are flexible — you can pause, stop, or modify anytime without penalties.
Equity: 12.5% LTCG above ₹1.25 lakh/year (held >1yr). Each SIP installment has its own holding period.
All formulas are verified against the original government notification or Act (cited in the source line below the result). Numbers update in under a second on any input change, with no rounding-of-thousands like some competitors. For tax, slabs are sourced from the current Finance Act; for small savings, rates come from the quarterly government notification.
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Yes — every calculator is verified for FY 2026-27 (post Finance Act 2025). The "Last reviewed" stamp at the bottom of every page tells you when the math was last re-checked. If you spot an out-of-date number, write to us at /contact.