Maturity value, total invested and returns for a monthly SIP at an expected annual rate.
Updated
| Year | Invested | Value | Returns |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 | ₹8,093 |
| 2 | ₹2,40,000 | ₹2,72,432 | ₹32,432 |
| 3 | ₹3,60,000 | ₹4,35,076 | ₹75,076 |
| 4 | ₹4,80,000 | ₹6,18,348 | ₹1,38,348 |
| 5 | ₹6,00,000 | ₹8,24,864 | ₹2,24,864 |
| 6 | ₹7,20,000 | ₹10,57,570 | ₹3,37,570 |
| 7 | ₹8,40,000 | ₹13,19,790 | ₹4,79,790 |
| 8 | ₹9,60,000 | ₹16,15,266 | ₹6,55,266 |
| 9 | ₹10,80,000 | ₹19,48,215 | ₹8,68,215 |
| 10 | ₹12,00,000 | ₹23,23,391 | ₹11,23,391 |
| 11 | ₹13,20,000 | ₹27,46,148 | ₹14,26,148 |
| 12 | ₹14,40,000 | ₹32,22,522 | ₹17,82,522 |
| 13 | ₹15,60,000 | ₹37,59,311 | ₹21,99,311 |
| 14 | ₹16,80,000 | ₹43,64,180 | ₹26,84,180 |
| 15 | ₹18,00,000 | ₹50,45,760 | ₹32,45,760 |
| 16 | ₹19,20,000 | ₹58,13,782 | ₹38,93,782 |
| 17 | ₹20,40,000 | ₹66,79,208 | ₹46,39,208 |
| 18 | ₹21,60,000 | ₹76,54,392 | ₹54,94,392 |
| 19 | ₹22,80,000 | ₹87,53,254 | ₹64,73,254 |
| 20 | ₹24,00,000 | ₹99,91,479 | ₹75,91,479 |
Educational only — not financial or tax advice. Talk to a qualified advisor before making decisions with real money.
Quick start
Enter your monthly investment, expected annual return and tenure to see the maturity value, total invested and total returns from a Systematic Investment Plan.
SIP for monthly recurring investments; Lumpsum for a one-time investment compounding over n years.
Monthly investment (or principal), expected annual return %, and tenure. Indian Rupee is the default currency.
See maturity value, total invested, total returns, and a year-by-year growth table that shows the compounding curve.
In-depth guide
A Systematic Investment Plan (SIP) is the most common way Indian retail investors put money to work — a fixed monthly amount into a mutual fund, automated via mandate. This calculator shows what that monthly habit compounds into over time, plus a lumpsum alternative for comparison.
The standard SIP future-value formula (annuity-due):
FV = M · [((1+i)^n − 1) / i] · (1+i)
The trailing (1+i) factor is the annuity-due adjustment — it assumes you invest at the start of each month (so the money earns one extra month of compounding). This matches AMFI's standard SIP calculator convention.
A ₹10,000 monthly SIP at 12% annual return:
The returns become dominant past year 10. This is why fund managers, AMFI ads and personal-finance writers all hammer the same message: start early, stay invested. A 25-year SIP at the same monthly amount delivers ~4× the maturity of a 15-year SIP — and ~12× the returns.
Mathematically, if returns are positive and constant, a lumpsum invested at year 0 always beats spreading the same total across n years — the early money compounds longer.
In practice, SIP usually wins for retail investors because:
The lumpsum tab here uses standard compound interest (FV = P · (1+r)^t) and is useful for one-off investments — bonus money, inheritance, a windfall.
Real-world SIP returns deviate from the smooth curve shown here for several reasons:
Educational only — not financial advice. Past performance doesn't predict future returns. Talk to a SEBI-registered investment adviser for personal planning.
Browser-first by design. The tool page explains any exception before you use it.
Your money amounts, rates, dates, and calculated scenarios stay in the browser. EpitomeTool does not upload finance inputs or generated results to a server.
No. The SIP and lumpsum math runs entirely in your browser. Nothing is sent to a server, logged, or stored.
FV = M · [((1+i)^n − 1) / i] · (1+i), where M is the monthly investment, i is the monthly rate (annual ÷ 12 ÷ 100), and n is the number of months. The trailing (1+i) is the annuity-due adjustment — it assumes you invest at the start of each month, the convention AMFI and most Indian mutual-fund houses use.
Historical equity-mutual-fund returns in India have averaged 12–15% CAGR over 15+ year windows, with significant year-to-year variation. Debt funds historically deliver 6–8%. Hybrid funds sit in between. These are not guarantees — past performance doesn't predict future returns. Pick a conservative rate (10–12%) for planning.
No. The maturity value shown is in today's currency units at nominal returns. To estimate real (inflation-adjusted) value, use a lower rate — e.g. if you expect 12% nominal and 6% inflation, plug in 6% to see what the corpus would buy in today's terms.
No. Capital gains tax on equity mutual funds in India is 10% on long-term gains (held >1 year) above ₹1 lakh per year. Debt funds are taxed at slab rates as of April 2023. The figures here are pre-tax — actual take-home is lower. Talk to a CA for your specific tax situation.
Mathematically, if markets only go up at a steady rate, a lumpsum at year 0 always beats spreading the same money over n years (because the early money compounds longer). In practice, SIP wins for most retail investors because it sidesteps timing risk and enforces savings discipline. If you have a lumpsum and the market is at all-time highs, SIP into the same fund over 12 months is a defensible middle ground.
Annuity-due assumes payments at the start of each period (what this tool uses, matching AMFI convention). Annuity-ordinary assumes payments at the end of each period. The difference is one extra month of compounding — for a 12% SIP over 20 years, annuity-due gives ~1% higher maturity. Both are common; this tool uses the SEBI/AMFI standard.
Not yet — this tool assumes a constant monthly investment. A step-up SIP (where you increase the SIP amount by a fixed % every year) typically delivers 30–50% more at maturity for the same starting amount. We may add step-up modelling in a future version.
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