Slide the three knobs. The number on the right is what your monthly investment could grow to. No signup, no email gate. Math, not advice.
Leave an email or a number — either one works — and Archita will follow up with a plain-English read on what these figures mean for you. No spam. No drip campaigns.
A Systematic Investment Plan is a standing instruction: same amount, same date, into the same mutual fund, every month. ₹5,000 on the 1st. ₹15,000 on the 7th. You pick the amount, the date, and the fund.
The point is discipline + rupee-cost averaging. You buy more units when prices are low, fewer when they're high — the average cost smooths out over time. You also remove emotion from the decision: no "should I invest this month?" — the SIP just happens.
The calculator uses the standard annuity-due compounding formula — the same one Groww, INDmoney, and every other SIP calculator uses:
Where P is your monthly amount, r is the monthly return rate (annual rate ÷ 12), and n is the total number of months. The calculator assumes returns are realised at the start of each month, which matches how monthly auto-debits actually work in India.
The math is exact. The inputs are guesses. Which brings us to the third answer ↓
No. The calculator assumes a constant annual return for every year. In reality, equity returns are lumpy — a 12% historical average might be made up of a 25% year, a -8% year, a 14% year, and so on. The compounding still works; the path is just bumpier.
Indian equity mutual funds have historically delivered double-digit CAGR over 15+ year windows. Past performance does not predict future performance. Your actual return depends on the fund you pick, the date you start, the date you stop, and what the market does in between.
If you want to talk through which funds to consider — or just sanity-check whether your monthly amount matches your goal — talk to Archita. She'll pick up.