SIP Calculator
Estimate the future value of monthly SIP investments with compound growth.
What is the SIP Calculator?
The SIP Calculator estimates the future value of your Systematic Investment Plan. Enter your monthly contribution, expected annual return and duration, and the tool projects the corpus you will have at the end plus the total you will have invested.
SIP is the disciplined, monthly way to invest in mutual funds. Instead of a lump sum, you drip-feed a fixed amount every month and let compounding do the heavy lifting. The calculator makes the power of compounding tangible — you can see what an extra ₹500 a month or two more years of investing does to the final corpus.
All maths happens in your browser. Your income, savings and goals stay private.
How to use the SIP Calculator
- 1Enter the monthly SIP amount you plan to invest.
- 2Enter the expected annual return (equity funds average 10–15%).
- 3Set the investment duration in years.
- 4Read the projected corpus, total invested and estimated gains.
- 5Adjust any input to see the impact live.
Key features
- Future-value projection with monthly compounding
- Total invested vs. estimated gains breakdown
- Adjustable expected return and duration
- Instant recalculation on every change
- Supports any currency
- Runs offline
Examples
15-year SIP
A ₹10,000 monthly SIP at 12% for 15 years grows to about ₹50,45,760 — with just ₹18,00,000 invested.
Retirement plan
A ₹5,000 SIP at 11% for 30 years yields a corpus of ~₹1.4 crore.
Short-term goal
A ₹20,000 SIP at 8% for 5 years reaches ~₹14.7 lakh — useful for a car or wedding.
Why use this tool
- Makes compounding growth easy to visualise
- Encourages long-term disciplined investing
- Helps set realistic financial goals
- Free and privacy-friendly
- Instant what-if planning
Common use cases
- Planning retirement
- Saving for a child’s education
- Building an emergency fund
- Comparing SIP vs. lump-sum investing
- Teaching investment basics
Frequently asked questions
What return should I assume?
Historical Indian equity mutual funds average 10–14%. Conservative planners use 10%.
Does the calculator account for tax?
No — the output is a pre-tax corpus. Long-term capital-gains tax is deducted at redemption.
Can I model a step-up SIP?
The basic calculator assumes a flat amount. Step-up support is on the roadmap.
Is 12% guaranteed?
No return is guaranteed. Markets fluctuate — the calculator only projects an average expectation.
Is my data saved?
No. Everything is calculated in your browser.