SIP for beginners: build a habit around a real goal
Understand what a SIP does, choose an affordable starting amount, read calculator assumptions and prepare for your first mutual fund conversation.
3 min read
INVEST WITH MORE CLARITY
SIP calculator
Estimate the future value of a monthly SIP in Indian rupees. Compare your contributions with illustrative growth over time.
Make it your own
₹
₹500₹2.0L
years
1 year40 years
%
-10%20%
An illustration, not a promised return.
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Illustrative value after 15 yearsIllustration only
Total invested₹18,00,000
Estimated gain / loss₹22,16,212
Illustrative valueContributions
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Illustrative results only. Rates shown are user-selected assumptions, not product quotes or forecasts. Actual outcomes depend on markets, cash flows, costs and your circumstances.
BEHIND THE NUMBERS
How this calculation works
A fixed contribution is invested at the beginning of each month. Future value = P × ((1 + r)^n − 1) / r × (1 + r). At 0% return, the value is simply all contributions added together.
Returns are treated as effective annual rates. Monthly rate = (1 + annual rate)^(1/12) − 1.
This model uses a constant return. Actual market values fluctuate and can fall. Tax, inflation and exit loads are excluded unless explicitly shown. Use a return assumption net of ongoing fund expenses; do not deduct those expenses twice.
A FEW USEFUL ANSWERS
Before you make a plan
No. The assumed return is an input for a mathematical example. A SIP does not guarantee a profit or remove the risk of losing capital.
Some divide the annual return by 12 or assume end-of-month payments. This calculator converts an effective annual return into a monthly rate and invests at the start of the month.
A calculator can show a one-year illustration, but that does not make an equity fund suitable. Your goal date, need for access and ability to tolerate a loss determine the choice of investment.
TAKE THE NEXT STEP WITH A PERSON.
Numbers help.
A conversation connects them.
Bring your goals and questions.
Let’s explore what fits your life.
Talk to Pranay Mutual Fund Distributor · ARN-341515