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Calculate your SIP returns with standard compounding — or enable AI Prediction Mode for real-time market analysis and probability-based projections powered by live sentiment data.
AI Prediction Mode
Enable for market-adjusted range
Formula
FV = P × [((1+r)ⁿ−1) / r] × (1+r)
Future Value
₹23,23,391
At maturity
Wealth Gained
₹11,23,391
93.62% absolute return
Total Invested
₹12,00,000
120 monthly instalments
Monthly SIP
₹10,000
Fixed amount
| Year | Invested | Value | Gain |
|---|---|---|---|
| 1 | ₹1,20,000 | ₹1,28,093 | +7% |
| 2 | ₹2,40,000 | ₹2,72,432 | +14% |
| 3 | ₹3,60,000 | ₹4,35,076 | +21% |
| 4 | ₹4,80,000 | ₹6,18,348 | +29% |
| 5 | ₹6,00,000 | ₹8,24,864 | +37% |
| 6 | ₹7,20,000 | ₹10,57,570 | +47% |
| 7 | ₹8,40,000 | ₹13,19,790 | +57% |
| 8 | ₹9,60,000 | ₹16,15,266 | +68% |
| 9 | ₹10,80,000 | ₹19,48,215 | +80% |
| 10 | ₹12,00,000 | ₹23,23,391 | +94% |
Our standard calculator uses the universal SIP compounding formula:
Need help understanding your results?
Connect with a verified Chartered Accountant for personalised advice.
Book Free ConsultationCalculate your compounding wealth across Mutual Funds, ETFs, Stocks, and Crypto. Toggle our AI Prediction Engine to stress-test your returns against real-time market volatility.
A Systematic Investment Plan (SIP) is not a product—it's a disciplinedmethod of investing a fixed amount regularly. Instead of timing the market with a lump sum, you invest systematically every month, averaging out market highs and lows while benefiting from the extraordinary power of compounding. Here's where you can start a SIP across every major asset class:
Invests in top 100 companies by market cap
Invests in emerging growth companies
Invests in smaller, high-growth potential companies
Focuses on specific sectors (Tech, Pharma, Banking)
For short-term cash parking
Invests in high-rated company debt
Invests in government securities
Heavy equity (65-80%) + debt cushion
Heavy debt (75-90%) + equity kicker
Leverages price differences across markets
Mirrors the broader market index with low expense ratios
Digital commodities as inflation hedge
Buy fixed ₹ amounts of specific company shares monthly
Buy fixed amounts of Bitcoin, Ethereum monthly
A traditional SIP calculator. Set a flat expected return (e.g. 12%) and get a precise future value. Perfect for straightforward, linear planning and quick projections.
Markets don't move in straight lines. The AI analyses current volatility, news sentiment, and historical cycles — delivering a probability range instead of a single number, stress-tested via 500 Monte Carlo simulations.
In a SIP, you earn returns on your returns — not just your principal. That's compounding.
With AI Mode ON, 'r' becomes dynamic — drawn from a normal distribution shaped by live market sentiment and historical equity volatility.
Rahul (28), risk-averse IT professional building emergency corpus
Total Corpus: ₹7,17,604
Invested ₹6L — gained ₹1.17L with minimal volatility. Perfect for capital preservation.
Priya (30), early-stage startup founder with 20-year horizon
Total Corpus: ₹75,79,932
Invested only ₹12L — wealth gain of ₹63.8L (5.3× the investment!)
Kabir (35), tech enthusiast testing crypto with caution
Range: ₹68,000 – ₹1,42,000 (Most Likely: ₹94,000)
AI analyzed regulatory uncertainty + volatility — showing wide probability bands reflecting crypto's extreme swings
Understanding tax consequences helps optimize your post-tax returns. Here's how different SIP investments are taxed under Indian tax laws:
Finucity connects you with verified Chartered Accountants who can transform these projections into a personalised, tax-efficient investment strategy.