Explore the assumptions.
Not a prediction.
A simple SIP illustration shows how the monthly amount, time and a hypothetical constant rate interact. No number here is a promised market return.
SIP illustration
For learning only. Start at a zero-rate scenario, then change the assumptions.
Paid at the end of each month.
An assumption you choose, not a forecast. Negative rates illustrate losses.
Hypothetical closing value
₹5,000 at each month-end for 10 years, with a constant 0% assumed nominal annual rate.
This result ignores actual market fluctuations, taxes, charges, inflation, missed contributions and scheme-specific rules. Real outcomes can differ materially and can include losses.
What the formula does
For a non-zero monthly rate, the illustration uses FV = P × ((1 + r)n − 1) / r, where P is the monthly payment, r is the nominal annual assumption divided by 12, and n is the number of monthly payments. Percentages are converted to decimals before calculation. For a zero rate, FV equals P × n.
Payments are assumed to happen at month-end and the rate is held constant. This is an ordinary-annuity calculation, not a simulation of an actual fund. Results are rounded to the nearest rupee for display; calculations use unrounded values.
Changing a number changes the illustration. It does not establish a suitable investment, an achievable rate or a safe time horizon for you. A SIP is an investing method, not a guarantee. AMFI investor education (opens in a new tab)
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