SIP Calculator
Enter what you invest each month, for how long, and the annual return you want to assume. The result compounds monthly, exactly the way the projection inside the Sansara app does.
What you enter
- Monthly investment
- Time period
- Expected annual return — Yours to choose. Sansara does not suggest a rate — the number you pick decides everything below it.
- Amount already invested — Leave at 0 if you are starting fresh.
What it tells you
- Value at the end
- Total you put in
- Growth on top
How this is worked out
Each month the balance grows by (1 + annual rate) ^ (1/12) − 1, then your instalment is added. That is the same compounding convention the Sansara app uses for its own projections, so the two can never give you different answers to the same question.
What it cannot know
- This is arithmetic on the numbers you entered — not a forecast, not a promise, and not a view on any fund or stock.
- Real returns vary year to year and can be negative. A single average rate cannot show that.
- Taxes, exit loads, fund expenses and inflation are not applied unless a field above asks for them.
Questions
Why is the return field empty?
Because the honest answer is that nobody knows it, and whichever number goes there decides the result. Most calculators pre-fill 12%, which quietly turns an assumption into a house view. Sansara is not a SEBI-registered adviser and will not pick that number for you — the field stays yours.
Is this the return I will actually get?
No. It is what your own assumption compounds to. Real markets do not deliver a fixed rate; a year of −18% and a year of +30% average out very differently from two years of 6%.
Does this account for tax?
No. Equity gains are taxed under s.111A and s.112A depending on how long you hold. The capital gains calculator on this site works that out separately, from the enacted rates.
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Sansara is not a SEBI-registered investment adviser or research analyst. This page performs arithmetic on numbers you enter and does not recommend any security, scheme or course of action.