A fixed sum invested at the start of every month compounds at the monthly equivalent of the annual return. The step-up raises the instalment once a year; the inflation line shows what the final value buys in today's rupees.
Monthly SIP
₹
Expected annual return
%
Period
yrs
Annual step-up
%
The instalment rises by this much every yearInflation (for today's-money value)
%
RESULTS
Value at the end₹23.23 Lafter 10 years
Invested₹12.00 L
Gain₹11.23 L1.94× the money in
In today's money₹12.97 Lat 6.0% inflation
Last instalment₹10,000no step-up
Each instalment is invested at the start of the month at 1.000% a month (12.0% a year).
Invested and value, year by year
Invested Gain
Year by year
| Year | Monthly SIP | Invested so far | Value | Gain | In today's money |
|---|---|---|---|---|---|
| 1 | ₹10,000 | ₹1,20,000 | ₹1,28,093 | ₹8,093 | ₹1,20,843 |
| 2 | ₹10,000 | ₹2,40,000 | ₹2,72,432 | ₹32,432 | ₹2,42,464 |
| 3 | ₹10,000 | ₹3,60,000 | ₹4,35,076 | ₹75,076 | ₹3,65,299 |
| 4 | ₹10,000 | ₹4,80,000 | ₹6,18,348 | ₹1,38,348 | ₹4,89,790 |
| 5 | ₹10,000 | ₹6,00,000 | ₹8,24,864 | ₹2,24,864 | ₹6,16,386 |
| 6 | ₹10,000 | ₹7,20,000 | ₹10,57,570 | ₹3,37,570 | ₹7,45,545 |
| 7 | ₹10,000 | ₹8,40,000 | ₹13,19,790 | ₹4,79,790 | ₹8,77,736 |
| 8 | ₹10,000 | ₹9,60,000 | ₹16,15,266 | ₹6,55,266 | ₹10,13,438 |
| 9 | ₹10,000 | ₹10,80,000 | ₹19,48,215 | ₹8,68,215 | ₹11,53,145 |
| 10 | ₹10,000 | ₹12,00,000 | ₹23,23,391 | ₹11,23,391 | ₹12,97,369 |
Assumptions & formula
Value = Σ instalment × (1 + i)months remaining, i = annual return ÷ 12, each instalment at the start of its month (for a constant SIP: A × ((1 + i)n − 1) ÷ i × (1 + i)) · Today's money = value ÷ (1 + inflation)years- Returns are assumed constant; a fund's actual return varies year to year, and the sequence matters.
- No exit load, expense ratio (already inside a fund's NAV return) or tax is deducted.
Calculators are for information and planning. Outputs depend on the inputs and assumptions you enter and are not a recommendation to buy, sell or hold any security or product. Streetgains Technologies Private Limited is a SEBI Registered Research Analyst (INH000017082); it is not a loan provider, tax adviser or mutual fund distributor.