Calculators / Savings and investing
SIP calculator
Defaults come from the India rule pack india-2026-27.v1. Change any of them.
₹
₹5,000
Assumptions
%
Maturity value
₹11,61,695
- Total invested
- ₹6,00,000
- Estimated gains
- ₹5,61,695
Year by year
| Year | Invested | Value | Gains |
|---|---|---|---|
| 1 | ₹60,000 | ₹64,047 | ₹4,047 |
| 2 | ₹1.2 L | ₹1.36 L | ₹16,216 |
| 3 | ₹1.8 L | ₹2.18 L | ₹37,538 |
| 4 | ₹2.4 L | ₹3.09 L | ₹69,174 |
| 5 | ₹3 L | ₹4.12 L | ₹1.12 L |
| 6 | ₹3.6 L | ₹5.29 L | ₹1.69 L |
| 7 | ₹4.2 L | ₹6.6 L | ₹2.4 L |
| 8 | ₹4.8 L | ₹8.08 L | ₹3.28 L |
| 9 | ₹5.4 L | ₹9.74 L | ₹4.34 L |
| 10 | ₹6 L | ₹11.62 L | ₹5.62 L |
How this is calculated
Each monthly instalment compounds at the expected return for the months it stays invested. The formula is FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where i is the monthly rate and n the number of months.
Educational estimate. Returns are not guaranteed; taxes and charges are not included unless stated. · india-2026-27.v1
What this means for you
Where the figures come from
Tax slabs, scheme rates and planning assumptions are kept in a dated rule pack with a source for each figure.
Where the rules come from
- Planning assumptions: My Money & Me editorial assumptions (checked 2026-10-26)Inflation, return, life-expectancy and withdrawal assumptions are planning defaults shown on every result; members can change them in each calculator.