Run the numbers
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What a monthly SIP grows to by the time your child turns 18, and what waiting costs.
1
What do you want to work out?
2
How old is your child?
yrsNewborn14 years to invest17
3
How much can you invest a month?
₹₹500₹2 lakh
4
% a year
4%An assumption, not a promise18%
5
%
Leave at 0 if unsure20%
Value when they turn 18
₹21.82 lakh
₹5,000 a month for 14 years
- You invest
- ₹8,40,000
- Growth
- ₹13,42,090
- Months of investing
- 168
To still reach ₹21.82 lakh, starting later
Start in 2 yearswhen they're 6₹6,800 /mo₹1,800 more a month
Start in 5 yearswhen they're 9₹11,300 /mo₹6,300 more a month
How this is worked outContributions are taken at the start of each month and compounded monthly at the annual rate you set, until your child turns 18. A step-up, if you set one, is applied once every twelve months.
- The rate you choose is an assumption, not a forecast. Past performance does not indicate future returns, and equity funds can and do lose money.
- Figures are before expense ratio, exit load, stamp duty and tax, so a real portfolio would finish lower.
- Figures are in today's rupees at face value and are not adjusted for inflation. What ₹25 lakh buys in eighteen years will be considerably less than what it buys today.
- This is an illustration, not advice, not a recommendation of any scheme, and not a projection of what you will actually receive.