Estimate the future value of monthly mutual fund investments. Change the contribution, investment period and assumed return to explore scenarios.
For monthly contribution M, monthly rate r and n deposits, future value = M × ((1+r)^n − 1) × (1+r) / r. Deposits are assumed at the beginning of each month. We use the annual input divided by 12 as a monthly rate. At a 0% rate, future value is simply M × n.
A ₹5,000 monthly contribution for 10 years deposits ₹6 lakh in total. At the illustrative 12% annual input, the beginning-of-month formula produces about ₹11.62 lakh, including around ₹5.62 lakh of modeled growth. This is not a forecast or promised return.
A SIP is a way to invest regularly, not a separate asset class or guaranteed-return product. Mutual fund prices vary, and the order of positive and negative returns affects the outcome. A constant-return projection cannot reproduce real market volatility.
The tool does not deduct fund costs separately, calculate redemption taxes, or adjust for inflation. If your assumed return is already net of fund expenses, do not subtract those costs twice. Compare the future value with the inflation-adjusted cost of your goal.
Try a lower, middle and higher assumption rather than relying on a single number. Compare your planned contribution with your budget and emergency savings. For increasing monthly contributions, use our Step-Up SIP Calculator. Review the fund’s official documents before investing.
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Educational estimates. Results exclude taxes and individual exceptions unless stated. Inputs remain in your browser.