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SIP Calculator
Assumptions used
- The instalment is invested at the start of every month.
- The rate of return stays constant for the entire period.
- Expense ratio, exit load and taxes are not deducted.
Your SIP illustration
₹10,000 every month for 15 years at 12% assumed return
This calculator is an illustrative tool. It uses a constant assumed rate of return and does not predict or guarantee actual results. Mutual fund returns are market-linked and will vary. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing.
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About these tools
How to read the results
How is the SIP future value calculated?
The calculator uses the standard SIP future-value formula, FV = P x [((1 + i)^n - 1) / i] x (1 + i), where P is the monthly instalment, i is the assumed annual return divided by twelve, and n is the number of monthly instalments. It assumes the instalment is invested at the start of each month and that the rate of return stays constant throughout.
What rate of return should I assume?
There is no correct answer, because future returns are unknown. Many investors run the calculation at more than one rate to see a range of outcomes rather than relying on a single figure. Whatever you enter is an assumption, not a forecast.
Do these calculators account for expense ratio, exit load or tax?
No. The outputs are gross illustrations. Actual outcomes will be affected by the scheme's expense ratio, any exit load, applicable taxes and the fact that real returns are not constant.
Is calculator output investment advice?
No. These are educational tools meant to show how compounding works over time. They do not take your personal circumstances into account and must not be treated as a recommendation to invest in any particular scheme.
The numbers look right. What now?
A calculator can size a goal, but it cannot tell you which approach suits your situation. That part takes a conversation.
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