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A systematic investment plan (SIP) contributes an amount at regular intervals. Explore a possible investment path, separate your contributions from projected growth, compare starting dates and work backward from a target. The default is monthly; quarterly and yearly schedules are available under Advanced contributions.
We treat the assumed annual return as an effective annual rate. Monthly rate r = (1 + annual percentage / 100)1/12 − 1. For a flat monthly SIP paid at the start of each month, future value = P × ((1 + r)n − 1) ÷ r × (1 + r), where P is the contribution and n is the number of months. End-of-month timing omits the last factor. At 0%, future value is simply all contributions added together.
The default is start-of-period contributions. An initial investment compounds from the start of the horizon. One-time top-ups enter at the start of their specified month. Calculations retain precision internally and round only for display. Taxes, fees and changes in market returns are not modeled. This is not an XIRR calculation based on actual dated investment cash flows.
Annual return conventions differ between calculators. Using annual rate divided by 12 treats the rate as nominal and produces a different effective annual result. Our convention keeps a 12% annual assumption at exactly 12% over a full year. See Groww's explanation of effective monthly conversion.
Compounding means growth applies to both contributed money and earlier growth. The gap between the contribution line and portfolio curve shows its projected effect. With negative returns, the portfolio can instead fall below contributions.
Extending the horizon changes both the amount contributed and the time each contribution spends invested. “One more year” separates those two effects. The delayed-start comparison holds the finish line fixed and delays regular SIP payments. Existing investments and dated top-ups are kept unchanged.
A step-up increases regular contributions by a percentage after each completed year of the SIP. With a 10% increase, the second year's amount is 1.10 times the first year's. The annual increase schedule continues through a pause. In delayed-start comparisons, the SIP's annual increase clock starts when the delayed SIP begins.
A lump sum invests money upfront, while a SIP spreads contributions over time. The advanced comparison puts the same total contributions into both approaches. It assumes the full lump sum is available at the beginning; the timing of exposure differs. It does not select a preferred approach.
Nominal future value describes a future amount. Its value in today's money is future value ÷ (1 + inflation rate)years. To estimate a future cost, multiply today's cost by that same inflation factor. This keeps investment growth and changes in purchasing power separate.
SIP stands for systematic investment plan: contributing money at regular intervals. It is a contribution method, not a promise of returns or a particular investment product.
Each contribution grows at the same assumed monthly rate for its remaining months. The formula above describes a flat monthly plan; step-ups, pauses and top-ups use a month-by-month cash-flow projection under the same convention.
Enter an assumption you want to explore, then compare alternatives in “What if returns differ?”. No default rate is a prediction or recommendation. Negative return assumptions are supported down to −99%.
No. A smooth curve illustrates a constant return assumption. Actual returns vary and can be negative.
It is a plan to increase your contribution over time. Here, increases are annual and start after the first 12 months.
Yes. Choose Reach a goal, enter ₹1,00,00,000 and set your horizon and assumed return. The starting contribution includes any configured initial investment, annual increases, top-ups and pauses.
Inflation changes purchasing power. Enable the inflation adjustment to show both the nominal projection and its value in today's money. It does not change the nominal portfolio curve.
Yes. Enter it as the initial investment. It grows from the start of the horizon and appears separately from recurring contributions and top-ups in the report.
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No. Currency selection changes symbols and grouping only. No exchange rates are used.