Project a recurring investment, a recurring withdrawal, or a lump-sum's compound growth. Switch tabs below.
Projection for the currently selected tab and inputs.
| Year | Invested (cumulative) | Value | Growth |
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SIP uses the future value of an annuity formula: each monthly investment compounds at the monthly rate for the remaining months, and all installments are summed. Returns are estimates, not guarantees — actual market returns vary and aren't linear.
The starting balance grows by the monthly rate of return, then the withdrawal is subtracted, month by month, across the full duration. If withdrawals outpace growth, the balance can reach zero before the duration ends — the tool flags this rather than showing a negative balance.
Compound growth adds earned interest back into the principal each period, so future interest is calculated on a larger base — that's what "compounding frequency" controls. More frequent compounding (daily vs. annually) produces a slightly higher return at the same stated rate.
No — all three tools are projections based on a constant assumed rate of return you enter. Real investments fluctuate, and past or assumed performance doesn't guarantee future results.
No — the figures shown are pre-tax growth projections. Actual take-home returns depend on how the investment is taxed in your country (capital gains tax, dividend tax, etc.), which varies too much to model generically here.
12% is a commonly used illustrative assumption for equity mutual funds in India based on long-term historical averages, but actual returns vary year to year and aren't guaranteed — treat any fixed-rate projection as a planning estimate, not a promise.
Worked example: investing ₹10,000/month for 10 years at an assumed 12% annual return grows to roughly ₹23.2 lakh, of which ₹12 lakh is your own contributions and about ₹11.2 lakh is projected growth — enter these exact numbers in the SIP tab above to verify.