Estimate the corpus from a monthly SIP (Systematic Investment Plan) in mutual funds. Enter your monthly amount, expected return, and tenure.
Estimates only. This tool is provided for educational purposes and is not financial advice. It models the figures you enter — it does not know your credit terms, local taxes, or fees. Talk to a licensed adviser before making a decision.
Invest ₹10,000 (≈ $10,000) a month at 12% expected return for 10 years.
Expected corpus: $2,300,387 from $1,200,000 invested — about $1,100,387 of gains from compounding.
A Systematic Investment Plan invests a fixed amount in mutual funds every month, harnessing rupee-cost averaging and compounding. The math is an annuity: each monthly contribution compounds until maturity.
Corpus = PMT × [((1+r/12)12t − 1) / (r/12)]
12% is an illustrative long-run equity return, not a guarantee. Mutual funds carry market risk.
Is 12% a safe assumption?
No — equity SIPs have fluctuated from single digits to 15%+ historically. Use a conservative 8–10% for planning.
What about lumpsum vs SIP?
SIP averages your buy price over time (rupee-cost averaging), reducing timing risk versus a one-time lumpsum.
Are returns taxable?
Yes — equity mutual funds are taxed on long-term capital gains above the exempt limit in India. This tool shows pre-tax nominal value.