SIP Calculator
See what a monthly mutual fund investment grows to, with yearly step-up and the result in today's money.
Rs 1,200,000 of this is your own money. The other Rs 1,586,573 is profit.
- Your money 43.1%
- Profit 56.9%
| Year | Invested | Value |
|---|---|---|
| 1 | Rs 120,000 | Rs 130,211 |
| 2 | Rs 240,000 | Rs 281,354 |
| 3 | Rs 360,000 | Rs 456,794 |
| 4 | Rs 480,000 | Rs 660,437 |
| 5 | Rs 600,000 | Rs 896,817 |
| 6 | Rs 720,000 | Rs 1,171,195 |
| 7 | Rs 840,000 | Rs 1,489,682 |
| 8 | Rs 960,000 | Rs 1,859,366 |
| 9 | Rs 1,080,000 | Rs 2,288,478 |
| 10 | Rs 1,200,000 | Rs 2,786,573 |
What this calculator shows
A SIP (systematic investment plan) means putting the same amount into a mutual fund every month. This calculator shows what that habit adds up to: how much you put in, how much profit it may earn, and what the total is worth at the end.
It assumes you invest at the start of each month and that returns compound monthly. With the default numbers, Rs 10,000 a month at 15% a year for 10 years, you put in Rs 12 lakh and end with about Rs 27.87 lakh.
Why “in today’s money” matters
Rs 27.87 lakh in 10 years will not buy what Rs 27.87 lakh buys today. Prices keep rising, so the calculator also shows the final amount in today’s rupees.
It uses the latest yearly inflation figure from the Pakistan Bureau of Statistics, shown with its month under the calculator. You can change it to test other cases. At around 10% a year, money loses more than half its buying power in ten years, which is why the final amount in today’s money is so much smaller.
What return should you enter?
No mutual fund return is guaranteed, and the rate changes from year to year. Every fund company publishes a monthly fund manager report (FMR) with each fund’s past returns. Look up the fund you plan to use, then enter a number a little below its long-term average. A careful guess is more useful than a hopeful one.
Raising your SIP every year
Most people earn more each year, so a fixed amount gets smaller in real terms. The “yearly increase” field raises your monthly amount at the start of every year. In the default example, a 10% yearly increase means you put in about Rs 19.12 lakh over 10 years and end with about Rs 39.57 lakh.
Starting with a lump sum
If you already have savings to invest on day one, enter them as the starting amount. The calculator grows that amount alongside your monthly investments.
Related
To see how inflation eats into money that just sits in an account, use the inflation calculator.