Future value of a monthly investment plan.
Project future wealth gains from monthly mutual fund SIPs. Adjust returns and inflation to estimate long-term capital growth.
Where: FV is future value; P is monthly SIP deposit; i is monthly rate (annual return / 12 / 100); and n is total months.
Suppose an investor starts a Systematic Investment Plan of ₹10,000 per month in an equity mutual fund delivering an estimated 12% annual rate of return over 15 years.
A Systematic Investment Plan allows investors to contribute fixed amounts periodically into mutual funds, building financial discipline and mitigating market timing risks.
Accumulated returns earn further interest in subsequent months. This compounding effect accelerates wealth accumulation over longer investment horizons.
Fixed monthly investments buy more fund units when prices fall and fewer units when prices rise, averaging out unit acquisition costs automatically.
Most mutual fund schemes allow SIP investments starting from as low as ₹500 or ₹1,000 per month.
Yes, SIPs offer full flexibility to pause, modify, or stop installments online without penalty charges.
No, returns depend on underlying equity or debt market performance, though long-term SIPs historically beat traditional deposits.
Growth of a one-time investment over time.
Compound annual growth rate between two values.
Calculate the potential savings loss of delaying your Systematic Investment Plan.
Calculate the corpus growth when you increase SIP contributions yearly.