Build an investment contribution plan
Explore a monthly amount, a future goal and yearly increases.
| Year | Put in so far | Projected value |
|---|
How we calculate this
Monthly growth i = (1 + yearly return)^(1/12) − 1 End of month: balance = balance × (1 + i) + payment Start of month: balance = (balance + payment) × (1 + i) Payment in year k = first payment × (1 + yearly increase)^(k − 1) Goal mode solves the same model for the first payment (never below ₹0).
Calculation version 0.3 · A steady return is a model, not how markets move.
Related: Daily SIP · One-time investment · Monthly budget
How to read your SIP projection
A SIP (systematic investment plan) means you invest a fixed amount on a regular date, usually every month. This tool shows what a monthly plan could grow to if your money earned one steady yearly return. It can also work backwards from a goal. The return is your own guess. Real investments can lose value.
What the numbers mean
You put in is every rupee you pay in, plus any amount you have already invested. Projected value is what the plan would be worth at the end of the period. Projected gain is the difference. If the value ends up below what you paid in, the label changes to “Projected loss”.
The expected return is an effective yearly figure (the growth you get over a full year, with growth on earlier growth included). We turn it into a monthly rate that gives exactly that yearly result. So 12% a year becomes about 0.95% a month, not 1%. Taking 12 ÷ 12 would overstate the result.
Start or end of month. If you invest at the start, that month’s payment grows for the whole month. At the end, it starts growing the next month. End of month is the default and gives a slightly smaller figure.
Increase each year (step-up) raises your monthly amount once every 12 months. With 10%, ₹5,000 becomes ₹5,500 in year 2 and ₹6,050 in year 3. When a step-up is set, a note shows what the same first amount would reach with no increase.
Goal mode turns the question around: how much do you need to start with each month to reach a target? It uses the same model, step-up included. If what you have already invested gets there alone, the answer is ₹0.
The table shows, year by year, how much you have paid in so far and the projected value at that point.
Worked example
This is a fictional plan, the one the page opens with: ₹5,000 a month for 120 months (10 years), 12% a year, paid at the end of each month, no step-up and nothing invested before.
| Result | Value |
|---|---|
| You put in | ₹6,00,000 |
| Projected value | ₹11,09,650 |
| Projected gain | ₹5,09,650 |
After year 1 the table shows ₹60,000 paid in and ₹63,232 in value. By year 5 it is ₹3,00,000 and ₹4,01,706. Most of the gain comes in the later years, because earlier growth keeps growing.
Switch to the start of the month and the value rises to ₹11,20,179. Add a 10% step-up instead, and you pay in ₹9,56,245 for a projected ₹16,19,086. Your monthly amount reaches ₹11,790 in the last year. At −5% a year, the same ₹6,00,000 would be worth ₹4,70,379, a loss of ₹1,29,621.
What this tool doesn’t do
It assumes one return that never changes. Markets don’t move like that: real values rise and fall, sometimes for years. The tool doesn’t include fund charges, exit loads (a fee for selling early) or tax, so enter a return after the costs you expect. It doesn’t pick funds or invest for you. Nor can it tell you what return to expect. Your amounts stay on your device.
If someone promises a “guaranteed” return on an investment, treat it as a warning sign. Check that anyone advising you is registered with SEBI (India’s market regulator). If you have lost money to a fraud, call 1930.
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Frequently asked questions
How much will a ₹5,000 monthly SIP become in 10 years?
Nobody knows in advance, because it depends on how markets move. The tool can only show scenarios. At an assumed 12% a year, paid at the end of each month, ₹5,000 for 120 months grows to a projected ₹11,09,650 on ₹6,00,000 paid in. At 0% you keep just ₹6,00,000. At −5% a year it falls to ₹4,70,379. Try a few returns, not just one.
What is a step-up SIP?
A step-up SIP raises your monthly amount once a year by a fixed percentage. With 10%, ₹5,000 becomes ₹5,500 in year 2 and ₹6,050 in year 3. Over 10 years at 12%, you would pay in ₹9,56,245 for a projected ₹16,19,086. Choose an increase you expect your pay rises to cover. The tool also shows the result with no increase.
How much should I invest every month to reach ₹10 lakh?
Use the goal mode. Enter the target, the number of months and an expected return, and the tool works out the first monthly amount. For ₹10,00,000 in 120 months at 12% a year, paid at the end of each month, that is about ₹4,506. A step-up lowers the starting amount. Money you have already invested also counts towards the goal.
Can a SIP give negative returns?
Yes. A SIP is just a way of paying in. The fund you buy can still fall in value, and you can end up with less than you put in. Enter a negative return, such as −5%, to see a loss scenario. The result label then changes to "Projected loss". Keep money for emergencies and near-term needs out of investments that can fall.
Why is 12% a year not 1% a month in this calculator?
We treat your return as an effective yearly figure (the full-year growth, with growth on earlier growth included). Then we find the monthly rate that gives exactly that, about 0.95% for 12%. Using 1% a month would compound to more than 12% over a year. That would make the projection look better than the return you entered.
Someone promised me a guaranteed 12% SIP return. Is that real?
No. Nobody can guarantee investment returns, and such a promise is a common sign of a scam. Before you pay anyone for investing, check that they are registered with SEBI (India's stock market regulator). If you have already lost money, call 1930, the cyber fraud helpline, at once. Read more in our guide to fake trading apps.