What return should I enter in the SIP Calculator?

Use a reasonable assumption for scenario planning and compare more than one rate. The entered rate is not a forecast or guaranteed return.

Does the calculator include taxes or investment costs?

No. It shows a simplified estimate from the entered contribution, return and period, without personal taxes or product-specific costs.

Why does a longer SIP period change the result so much?

Earlier contributions have more monthly periods in which estimated gains can compound, so time can materially affect the projected value.

Calculators

SIP Calculator

See how monthly investments grow over time with compounding.

Monthly investment

₹

₹10,000

Expected return

% p.a.

Time period

yrs

Estimated future value

₹23,23,391

Total

₹23.23 L

Invested₹12,00,000
Est. gains₹11,23,391

Invested amount₹12,00,000

Estimated gains₹11,23,391

Future value₹23,23,391

Growth over time

Invested
Value

Disclaimer: Investment in securities market is subject to market risks. Read all related documents carefully before investing. Registration granted by SEBI and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors. Ocean Veda Capital is an authorized person of Mirae Asset Sharekhan Financial Services (MASFS). MASFS is a SEBI registered stock broker with NSE, BSE and MCX.

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Helpful context

How the SIP calculator works

A systematic investment plan invests a fixed amount at regular monthly intervals. The SIP Calculator estimates the value of those contributions after a selected number of years using an assumed annual return. It also separates the amount contributed from the estimated growth, making the effect of time and compounding easier to see.

The calculation converts the annual return to a monthly rate and applies it across the total number of monthly contributions. It treats each contribution as being made at the beginning of a period. A longer timeline gives earlier contributions more time to compound, while a higher monthly amount increases the invested principal. The assumed return is only an input, not a promised outcome.

For example, investing Rs 10,000 each month for 10 years at an assumed annual return of 12% produces an estimated value of about Rs 23.23 lakh. The total amount invested is Rs 12 lakh, and the remaining amount is estimated growth. Actual returns, costs and taxes may change the result.

Frequently asked questions

What return should I enter in the SIP Calculator?: Use a reasonable assumption for scenario planning and compare more than one rate. The entered rate is not a forecast or guaranteed return.
Does the calculator include taxes or investment costs?: No. It shows a simplified estimate from the entered contribution, return and period, without personal taxes or product-specific costs.
Why does a longer SIP period change the result so much?: Earlier contributions have more monthly periods in which estimated gains can compound, so time can materially affect the projected value.