01 Systematic Fund Selection
Watch every instalment compound.
A monthly SIP, projected. Set the amount, the assumed return and the horizon, then watch contributions and growth pull apart over time.
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| Horizon | Projected total |
|---|---|
| — | |
How to read this tool What each input changes
A SIP projects what a fixed monthly investment becomes once it compounds at a steady rate. The distance between what you pay in and what you walk away with is compounding doing the quiet work.
- Monthly investment
- What you set aside each month. The corpus scales almost in step with it: put in twice as much, end with roughly twice as much.
- Annual step-up
- In Step-up mode, this raises your monthly amount by a set percentage every year. A modest step-up outpaces a flat SIP by a wide margin, because each raise then compounds for all the years that follow.
- Expected annual return
- The assumed yearly growth rate. Its effect is not linear. One extra percent, compounded across decades, opens into a large gap by the end.
- Investment period
- How long you stay invested. This is the strongest lever on the page. Compounding is exponential, so the last few years add far more than the first few.
A SIP turns market volatility into an ally. Each instalment buys more units when prices fall and fewer when they rise, and across a long horizon compounding does the heavier lifting — projected returns can outgrow everything you contributed.
Is this projection guaranteed?
No. The projection assumes a steady annual return, but real markets move in jagged year-by-year arcs. Mutual fund returns are not guaranteed, and past performance is no indication of future returns. We display these figures so you can plan against a reasonable baseline — not to promise them.
What's a realistic return rate to assume?
For diversified Indian equity funds, 10–13% per year is a defensible long-horizon assumption. Hybrid funds sit lower (8–10%), debt funds lower still (6–8%). Use a higher rate only if you have specific conviction about a tactical position; use a lower rate if you want a margin of safety.
Can I increase my SIP later?
Yes. Most AMCs allow you to step up your SIP without disturbing the existing one — useful as income grows. Switch on Step-up mode in the inputs above to see how a yearly increase compounds against a flat SIP across the horizon.
What happens if I pause my SIP?
Missed instalments are missed compounding. The longer you pause, the more disproportionate the impact — the missed years are usually the ones working hardest. If you must pause, prioritise resuming over making catch-up lump-sum contributions later.
For illustrative purposes only. Mutual fund investments are subject to market risks. Past returns do not guarantee future performance. This tool does not constitute investment advice.