Turn your investment idea into a clear, year-by-year estimate. Compare a monthly SIP with a one-time investment, understand the role of compounding, and save scenarios to revisit later.
Start with a contribution, then adjust your expected return and time horizon.
Estimated value based on the assumptions you select.
Estimated growthChoose a chart style to explore your projected balance.
Chart library is unavailable right now. Your estimate and year-wise table are still available below.
Projection candles summarize modeled opening, monthly high/low and closing balances for each year. They do not represent real stock-market prices or volatility.
Review cumulative contributions, estimated gains and projected value for each year.
| Year | Total contributions | Estimated gains | Projected value |
|---|---|---|---|
| Calculating projection… | |||
| Total | — | — | — |
Values are rounded to the nearest rupee for display. The calculation uses monthly compounding and contributions at month-end for SIP mode.
Saved scenarios appear here and in your shared Saved Estimates page alongside estimates from other GovtSave tools.
Saved scenarios are stored in this browser on this device. They are not uploaded or synced to another device.
The monthly return is derived from the annual assumption divided by 12. Each contribution is added at month-end, then the balance compounds each month. The step-up, if selected, increases the monthly contribution at each new investment year.
The one-time amount is treated as invested at the start of the period and compounds monthly for the selected duration. No additional contributions are added in lumpsum mode.
No. The return field is an assumption, not a prediction or promise. Market returns can fluctuate, and investors can lose money. Taxes, expense ratios, exit loads and inflation are not included in the projection.
Yes. Save different combinations of contribution, return and duration. The shared Saved Estimates page lets you review scenarios from this calculator and other supported GovtSave tools in one place on this browser.
Educational illustration only; not investment advice or a promise of returns. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully and consult a qualified adviser for advice tailored to your circumstances.