[ Tool ]
See how a monthly Systematic Investment Plan compounds into wealth. Enter your monthly amount, an expected return and how long you'll invest to project your future corpus.
Reviewed by the OptionX Research Team · Updated July 2026
Equity funds have historically averaged ~10–12% over the long term.
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Projections assume a constant annual return and monthly investing for the full period. Mutual fund returns are market-linked and not guaranteed. For information only — not investment advice.
A SIP invests a fixed amount every month, and each instalment compounds until the end of your investment period — so early instalments grow the most.
Formula
FV = P × ( (1 + i)n − 1 ) / i × (1 + i)
where P = monthly investment, i = monthly rate (annual ÷ 12), and n = number of monthly instalments.
Rupee-cost averaging
Fixed monthly investing buys more units when prices fall and fewer when they rise, smoothing your average cost.
Power of compounding
Returns earn their own returns. Over long horizons, most of a SIP's final value comes from growth, not contributions.
Step it up
Increasing your SIP each year as income grows (a step-up SIP) can dramatically raise your final corpus.
FAQs