Investments

SIP Calculator

Estimate how a fixed monthly or yearly investment may grow. Compare what you contribute with projected gains, then view the result in today’s purchasing power.

Use a planning assumption, not a promised return.

Used only to translate the projected corpus into today’s purchasing power.

Invested

₹

Estimated gains

₹

Estimated value

₹

Value in today’s money

₹

How SIP returns are estimated

A Systematic Investment Plan invests a fixed amount at regular intervals. Rushiram compounds each contribution using the annual return you enter and assumes the contribution is made at the beginning of each period. Real market returns vary, so the output is a projection rather than a forecast.

Your contribution

Investment amount multiplied by the number of monthly or yearly contributions.

Projected growth

Every contribution compounds at the expected return for its remaining investment period.

Inflation adjustment

Future value is divided by compounded inflation to estimate equivalent purchasing power today.

Worked SIP example

A ₹10,000 monthly SIP for 15 years at an assumed 12% annual return produces this projection under the calculator’s beginning-of-month convention:

Total invested
₹18,00,000
Estimated value
₹50,45,760
Estimated gains
₹32,45,760
At 6% inflation
₹21,05,419

Taxes, fund expenses, exit loads, contribution delays, and market volatility are not included.

Frequently asked questions

Is the expected return guaranteed?

No. Mutual-fund and market-linked returns fluctuate. The percentage is only a scenario assumption.

Why is the inflation-adjusted value lower?

Inflation reduces what a future rupee can buy. The adjusted value expresses the projected corpus in today’s purchasing power.

Does this include taxes and fund charges?

No. Actual outcomes depend on expense ratios, taxes, exit loads, timing, and realised returns.