Separate contributions from growth
The invested amount is the total of the recurring contributions. The estimated maturity value includes the contributions plus the modeled growth. Keeping those two numbers separate makes it easier to understand how much of the result comes from deposits versus the assumed return.
The output depends heavily on the return rate and time period chosen. Small changes in either assumption can produce materially different estimates over long periods.
Treat the return rate as an assumption
A calculator uses the rate you provide; it does not know what a future market will actually return. Historical performance, where available, does not make a future outcome certain.
Use the calculator to explore scenarios rather than to promise a particular return. Compare multiple assumptions so you can see how sensitive the estimate is to the modeled rate. It is useful to record the assumptions beside the result so that a future comparison does not accidentally mix different contribution amounts, durations or return rates.
Verify product-specific details
Real investment products can have fees, taxes, contribution timing rules and other characteristics that are not represented by a simple calculator. The product's official documents and a qualified professional should be used when those details materially affect a decision.
Recommended workflow
- Open SIP Calculator and enter the recurring contribution.
- Set the investment duration.
- Enter the assumed annual return rate.
- Review total invested amount, estimated growth and estimated value.
- Run alternative scenarios to understand how the estimate changes.
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