A Systematic Investment Plan invests a fixed amount in a mutual fund every month, averaging out cost and harnessing compounding.

What return should I assume?

Equity mutual funds historically average 11–13% CAGR in India over long horizons. Use 10–12% as a realistic assumption.

Are taxes considered?

No. This is a pre-tax projection. LTCG above ₹1.25L per year is taxed at 12.5% for equity funds.

Project the future value of a Systematic Investment Plan with monthly contributions, expected return rate, and tenure.

Monthly investment

₹

Expected return rate

% p.a.

Time period

yrs

Invested

₹24.00 L

Est. returns

₹75.91 L

Future value

₹99.91 L

in 20 yrs

Year	Invested	Returns	Balance
1	₹1,20,000	₹8,093	₹1,28,093
2	₹2,40,000	₹32,432	₹2,72,432
3	₹3,60,000	₹75,076	₹4,35,076
4	₹4,80,000	₹1,38,348	₹6,18,348
5	₹6,00,000	₹2,24,864	₹8,24,864
6	₹7,20,000	₹3,37,570	₹10,57,570
7	₹8,40,000	₹4,79,790	₹13,19,790
8	₹9,60,000	₹6,55,266	₹16,15,266
9	₹10,80,000	₹8,68,215	₹19,48,215
10	₹12,00,000	₹11,23,391	₹23,23,391
11	₹13,20,000	₹14,26,148	₹27,46,148
12	₹14,40,000	₹17,82,522	₹32,22,522
13	₹15,60,000	₹21,99,311	₹37,59,311
14	₹16,80,000	₹26,84,180	₹43,64,180
15	₹18,00,000	₹32,45,760	₹50,45,760
16	₹19,20,000	₹38,93,782	₹58,13,782
17	₹20,40,000	₹46,39,208	₹66,79,208
18	₹21,60,000	₹54,94,392	₹76,54,392
19	₹22,80,000	₹64,73,254	₹87,53,254
20	₹24,00,000	₹75,91,479	₹99,91,479