Compare SIP scenarios
Change one input, hold everything else identical, and see how much that one input is actually worth. The gap between the scenarios is the whole answer.
What to compare
Everything else below is held identical across the scenarios, so the only thing separating the lines is this one input.
Shared by every scenario
Whole years. Longer tenures are where compounding does its work.
An assumption you choose, not a forecast. Returns on equity funds vary a great deal from one year to the next, and past returns do not predict future ones.
How much you increase the instalment each year. Set 0 for a flat SIP.
Side by side
| Scenario | Monthly investment | Projected value |
|---|---|---|
| Scenario A | ₹5,000 | ₹11,61,695 |
| Scenario B | ₹10,000 | ₹23,23,391 |
| Scenario C | ₹15,000 | ₹34,85,086 |
Moving monthly investment from ₹5,000 to ₹15,000 changes projected value by +₹23,23,391. Every other input was identical in both.
Show how each scenario is calculatedHide the working
Scenario A — ₹5,000
Convert the annual return to a monthly rate
12% ÷ 12
= 1% (0.01)
Divided, not compounded — the nominal convention every Indian AMC calculator uses.
Count the instalments
10 years × 12
= 120 months
Grow one rupee for the whole tenure
(1 + 0.01)^120
= 3.300387
Apply the annuity-due formula
₹5,000 × [(3.300387 − 1) ÷ 0.01] × (1 + 0.01)
= ₹11,61,695
The final × (1 + i) is because each instalment is invested at the start of its month, not the end.
Scenario B — ₹10,000
Convert the annual return to a monthly rate
12% ÷ 12
= 1% (0.01)
Divided, not compounded — the nominal convention every Indian AMC calculator uses.
Count the instalments
10 years × 12
= 120 months
Grow one rupee for the whole tenure
(1 + 0.01)^120
= 3.300387
Apply the annuity-due formula
₹10,000 × [(3.300387 − 1) ÷ 0.01] × (1 + 0.01)
= ₹23,23,391
The final × (1 + i) is because each instalment is invested at the start of its month, not the end.
Scenario C — ₹15,000
Convert the annual return to a monthly rate
12% ÷ 12
= 1% (0.01)
Divided, not compounded — the nominal convention every Indian AMC calculator uses.
Count the instalments
10 years × 12
= 120 months
Grow one rupee for the whole tenure
(1 + 0.01)^120
= 3.300387
Apply the annuity-due formula
₹15,000 × [(3.300387 − 1) ÷ 0.01] × (1 + 0.01)
= ₹34,85,086
The final × (1 + i) is because each instalment is invested at the start of its month, not the end.
Every scenario is computed by the same engine the projected value calculator uses, so the last line of each is the figure in the table above. Intermediate values are shown rounded for reading; the calculation carries full precision throughout.
Over time
Each line is one scenario. Because every other input is identical, the gap between them is the effect of monthly investment alone.
How to read this
- Only one input differs. Every other value is identical across the scenarios, which is what makes the gap between them readable. If each scenario had its own assumed return, the chart would be comparing guesses rather than choices.
- A bigger number is not automatically better. On a loan comparison the larger figure is the worse one, and on any of these the right answer depends on circumstances this page knows nothing about.
- The rate is still an assumption. Comparing scenarios does not make any of them a forecast — it only shows how sensitive the outcome is to the input you changed.
To see the arithmetic behind a single scenario, use the SIP Calculator, which shows the formula and works it through with your numbers.