Star Mutual Fund SIP Calculator
Calculate future wealth projection, total investment, capital gains, and annual step-up growth for Mutual Fund SIPs.
Increase the SIP amount each year in line with your income.
Growth of your investment
View as a table
| Period | Amount invested | Portfolio value |
|---|---|---|
| Y1 | ₹1,20,000 | ₹1,28,093 |
| Y2 | ₹2,40,000 | ₹2,72,432 |
| Y3 | ₹3,60,000 | ₹4,35,076 |
| Y4 | ₹4,80,000 | ₹6,18,348 |
| Y5 | ₹6,00,000 | ₹8,24,864 |
| Y6 | ₹7,20,000 | ₹10,57,570 |
| Y7 | ₹8,40,000 | ₹13,19,790 |
| Y8 | ₹9,60,000 | ₹16,15,266 |
| Y9 | ₹10,80,000 | ₹19,48,215 |
| Y10 | ₹12,00,000 | ₹23,23,391 |
Star Mutual Fund SIP Calculator: how it works
A systematic investment plan compounds monthly, and the last few years of a long SIP contribute more growth than the first ten combined.
The formula
FV = P × [((1 + i)^n − 1) ÷ i] × (1 + i)
- P = monthly investment
- i = annual rate ÷ 12 ÷ 100
- n = number of months
- The final term assumes investment at the start of each month
Worked example
Worked example · ₹10,000 monthly for 10 years at 12 percent
Given
- Monthly: ₹10,000
- Rate: 12% per annum
- Period: 10 years
Working
- 1i = 12 ÷ 12 ÷ 100 = 0.01
- 2n = 120 months
- 3Total invested = 10,000 × 120 = ₹12,00,000
- 4FV ≈ ₹23,23,391
Wealth gained: ₹11,23,391 — almost as much again as you invested
Why time matters more than amount
Extending the same ₹10,000 SIP from 10 years to 20 does not double the corpus — it takes it from ₹23 lakh to roughly ₹99 lakh, more than four times. The final years compound on a base that took the earlier years to build.
What the formula cannot tell you
- Equity funds held over a year attract 12.5 percent long-term capital gains tax above the annual exemption.
- Expense ratios reduce your realised return, typically by 0.5 to 2 percent a year.
- Rupee cost averaging helps in volatile markets but does not eliminate risk.
Frequently asked questions
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