Compounding magnifies small rate differences over long horizons. On a long SIP, an extra 1% annual return can add a substantial portion to the final corpus because later years grow on a larger base.

It shows projected corpus at your base expected return and at ±1% and ±2% around that base, using the same monthly investment, tenure and optional step-up. The table highlights percentage and rupee difference versus the base scenario.

Expense ratio differences between regular and direct plans, asset allocation shifts, or fund selection can easily span 1% or more over long periods. Actual outcomes depend on markets and are not guaranteed.

Yes. With step-up SIPs, both absolute and percentage differences versus base typically grow over time because higher later contributions amplify the rate gap.

No. Mutual fund and market-linked returns are subject to market risks. SEBI requires that past performance not be presented as indicative of future returns.

Use it to understand sensitivity — not to pick a fund by projected return alone. Compare expense ratios, risk profile, track record and fit with your goal before investing.

Wider bands illustrate the range of outcomes when assumptions change materially — useful for stress-testing optimistic and conservative planning scenarios.

No. Figures are pre-tax illustrations. Capital gains tax on redemption will reduce net proceeds.

Small annual return gaps compound into large corpus differences over long SIP tenures. Enter your SIP, years and base rate to compare ±1% / ±2% paths. Past fund outperformance may not continue.

A higher expense ratio needs correspondingly higher gross returns to match a cheaper fund’s net result. Use this calculator to see how a 1% drag compounds — it does not judge whether any scheme will outperform.