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Finance & Money Calculator
Illustrative math, reviewed October 2026 — not financial, tax, or legal advice. Verify rates and slabs before you sign or file.
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A SIP calculator projects the maturity value of fixed monthly investments using the future-value-of-annuity formula: FV = M × (((1+r)^n − 1) ÷ r) × (1+r), with r the monthly return. It splits the result into your invested money and the growth on top. For example, ₹10,000 a month for 10 years at 12% p.a. invests ₹12,00,000 and projects ≈ ₹23,23,391 — about ₹11,23,391 of it growth, because early instalments compound the longest.
Enter the monthly amount you can sustain, the number of years, and an expected annual return — then read the Invested vs Est. gains split, not just the headline corpus. Treat the return as a guess net of costs: many investors run 10%, 12%, and 15% side by side to see the range instead of trusting one figure. Shorter periods show mostly your own money; stretching years is what lets compounding dominate.
It does not model step-up SIPs, pause months, fund selection, expense ratios, exit loads, or tax on gains — reduce the expected return slightly for a rough allowance, and treat the corpus as one scenario, not a promise.
Illustrative math only — not financial advice or a bank quote.
Tax and statutory rules change; verify with a professional.
Work backward from the same formula: at 12% over 10 years, roughly ₹43,000 a month projects near ₹1 crore — but the honest move is to run your own years and return on this page rather than trust a thumb rule.
No. The instalment is treated as fixed, and expense ratios, exit loads, and taxes on gains are not deducted. Reduce the expected return slightly if you want a rough allowance for costs.
There is no correct number — past long-run equity returns cluster near low double digits in India, but sequences vary. Run 10%, 12%, and 15% and plan around the middle, not the top.
No. The projection runs in the browser and nothing is stored.
That is the promise behind every tool here. Files are read in your browser tab, processed there, and discarded when you close it — never uploaded to our servers.