Finance & Investment
SIP Calculator
SIP: it uses the SIP future-value formula FV = P × ((1+i)^n − 1)/i × (1+i), assuming a fixed periodic investment and rate. Worked through below with real figures, and the calculator repeats the working on your own inputs — free, on-device, instant.
Use SIP Calculator to see how an investment or savings plan grows: give it your monthly SIP amount, expected annual return and investment period, press Calculate, and read off the maturity value, amount invested and estimated returns — all worked out on your device.
Estimate only. Not financial, investment, tax, retirement, pension, crypto, or legal advice. Returns, rates, fees, taxes, inflation, market prices, product rules, and government schemes can change. Verify with official sources or a qualified professional before relying on results.
About this calculator
It uses the SIP future-value formula FV = P × ((1+i)^n − 1)/i × (1+i), assuming a fixed periodic investment and rate. It matters any time money changes value over time — savings, loans, investments, prices and pay all reduce to these relationships. Worked below as Investing ₹5,000 a month for 10 years (120 instalments) at an assumed 12% annual return grows to roughly ₹11.5–11.6 lakh , against ₹6 lakh actually invested. The exact figure shifts a little depending on whether each instalment is counted at the start or end of the month. — and the calculator on this page repeats exactly that working for your inputs, instantly, and offline after load.
How to use
- Enter the fixed amount you invest each month through the SIP.
- Type the SIP's expected annual return as a percentage.
- Set the SIP duration in years.
- Tap Calculate to see the projected SIP corpus and total invested.
Why use the SIP Calculator
Instant
Every figure is computed on your device the moment you tap Calculate.
Private
Your numbers stay in your browser; nothing is sent to a server or saved.
Free
No signup, no paywall, and no ads placed inside your results.
Works offline
Once the page has loaded it keeps working even on a weak connection.
Mobile-first
Laid out for phones and tablets just as much as for desktops.
Honest estimates
Uses simplified formulas for educational estimates; actual results vary with taxes, fees, compounding rules, market returns, scheme rules, inflation, and local regulations.
Common uses
Use it for goal-based investing
Use it for education or home-down-payment goals
Use it for long-term wealth planning
Use it for a quick growth estimate
Use it when reviewing an investment plan
Use it when projecting how savings grow
Technical notes
SIP Calculator uses the SIP future-value formula FV = P × ((1+i)^n − 1)/i × (1+i), assuming a fixed periodic investment and rate.
Figures assume the rate and amounts you enter stay fixed and exclude fees, taxes and charges unless a field asks for them.
Because it runs locally, results appear instantly with no server round-trip.
Worked example
Investing ₹5,000 a month for 10 years (120 instalments) at an assumed 12% annual return grows to roughly ₹11.5–11.6 lakh, against ₹6 lakh actually invested. The exact figure shifts a little depending on whether each instalment is counted at the start or end of the month.
FAQ
How is the SIP future value computed?
Every monthly instalment is grown to the end of the term with the future-value-of-annuity formula and the instalments are summed into the projected corpus.
Does the SIP Calculator send my data to a server?
No. The SIP Calculator runs entirely in your browser with JavaScript; the values you enter never leave your device and nothing is uploaded or saved.
Does the SIP assume start-of-month investing?
Yes. Each instalment is treated as invested at the start of the month, so it earns an additional month of compounding.
What if I set the expected return to zero?
A zero return makes the future value equal the total invested, since the instalments simply add up with no growth.