Investments 2026
SIP Calculator
Calculate how much your monthly SIP will grow over time. See inflation-adjusted real returns and visualize your wealth creation journey.
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₹
₹500₹5,00,000
%
yr
%
Future Value
₹23.23 L
Total Returns
₹11.23 L
Total Invested
₹12.00 L
Real Value (inflation adj.)
₹16.47 L
At 6% inflation
Growth Over Time
SIP Summary
Monthly SIP Amount₹10,000
Investment Period10 years
Total Amount Invested₹12,00,000
Estimated Returns₹11,23,391
Future Value₹23,23,391
Inflation-Adjusted Value₹16,46,987
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SIP Formula and How Returns are Calculated
The SIP future value formula is: FV = P × [(1+r)^n - 1] / r × (1+r), where P is monthly investment, r is monthly rate of return (annual rate / 12), and n is total months.
Historically, Nifty 50 has delivered approximately 12-13% CAGR over 20+ year periods. However, equity markets can be volatile over shorter periods. SIP helps average out this volatility through rupee-cost averaging.