Money tools
See what your monthly SIP actually becomes — nominal value, wealth gained, a year-by-year growth table, and the honest inflation-adjusted figure in today's money.
Wealth planner
You invest
₹6,00,000
Wealth gained
₹5,61,695
Maturity value
₹11,61,695
SIP growth projection
Expected return 12% per annum
Maturity value
₹11,61,695
| Year | Total invested | Portfolio value | Gains |
|---|---|---|---|
| Y1 | ₹60,000 | ₹64,047 | ₹4,047 |
| Y2 | ₹1,20,000 | ₹1,36,216 | ₹16,216 |
| Y3 | ₹1,80,000 | ₹2,17,538 | ₹37,538 |
| Y4 | ₹2,40,000 | ₹3,09,174 | ₹69,174 |
| Y5 | ₹3,00,000 | ₹4,12,432 | ₹1,12,432 |
| Y6 | ₹3,60,000 | ₹5,28,785 | ₹1,68,785 |
| Y7 | ₹4,20,000 | ₹6,59,895 | ₹2,39,895 |
| Y8 | ₹4,80,000 | ₹8,07,633 | ₹3,27,633 |
| Y9 | ₹5,40,000 | ₹9,74,108 | ₹4,34,108 |
| Y10 | ₹6,00,000 | ₹11,61,695 | ₹5,61,695 |
FAQ
Using the standard future-value formula: FV = P × ((1+i)^n − 1) ÷ i × (1+i), where P is your monthly instalment, i is the monthly return (annual ÷ 12 ÷ 100) and n is total months. The extra (1+i) factor accounts for each instalment compounding from its own deposit date.
₹1 crore after 20 years will not buy what ₹1 crore buys today. Enter expected inflation (~6% is typical for India) to see your maturity value in today's purchasing power — the number most calculators hide.
Historically, diversified equity funds have delivered around 11–13% annually over long periods, while debt funds sit nearer 6–8%. Returns are not guaranteed — treat projections as planning estimates, not promises.
This version projects a fixed monthly amount. If you plan annual step-ups, run the calculation once per phase or use a higher average monthly figure.
