"Do not save what is left after spending, but spend what is left after saving."
– Warren Buffett
– Warren Buffett
Estimate the future value of a monthly mutual fund investment.
Meera, 28, invests ₹8,000 a month in an index fund expecting 12% a year. Over 20 years she invests ₹19.2 lakh and the estimate shows about ₹79.9 lakh. Extending the same SIP to 25 years grows it to roughly ₹1.52 crore — the final five years add nearly twice the value of the first twenty.
Uses monthly compounding based on the expected annual return and investment period. Contributions are assumed to be made at the beginning of each month.
The result is an educational estimate, not a guaranteed return or personal financial recommendation. Review current product documents and consult a qualified advisor before investing.
SIPs automate investing and remove timing risk. By investing a fixed amount regularly, you buy more units when prices are low and fewer when prices are high — this rupee-cost averaging smooths your entry price over market cycles. The real power appears over 10+ years when compounding accelerates: the later years contribute disproportionately to the final corpus. Starting a ₹5,000 SIP at 25 vs 35 can mean a difference of ₹1.5–2 crore at 60, assuming 12% returns.
Stopping SIPs during market falls — this defeats rupee-cost averaging. Picking funds based on 1-year returns — chasing performance leads to buying high. Ignoring expense ratios — a 1% difference costs 15–20% of corpus over 20 years. Investing in too many funds — 8–10 funds usually means duplication, not diversification. Not reviewing annually — fund strategy drift or life changes may require rebalancing.
No. They are educational estimates based on the inputs and assumptions shown on this page.
No. Unless stated otherwise, taxes, fees, charges, and product-specific rules are not included.
Use it to compare scenarios, then verify current product documents and seek qualified advice before making a decision.
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