Calculator Tools
SIP Calculator
Project SIP returns in your browser. Future value, required SIP, time to goal, with step-up SIP and a year by year schedule. INR, USD, EUR.
Calculator mode
Project how much a monthly SIP grows into at the chosen expected return.
Plan details
The amount you invest at the start of every month.
Annualized return you expect from the fund. Equity index funds and diversified mutual funds typically project 10% to 14%.
Raise the SIP by this percentage every year, matching a rising income. Leave at 0 for a flat SIP.
Contribution timing
Most SIPs debit at the start of the month and compound for the full month. Switch to end-of-month for ordinary-annuity math.
Future value
₹23,23,391
How the corpus is built
- Invested amount
- ₹12,00,000
- Estimated returns
- ₹11,23,391
- Future value
- ₹23,23,391
- Wealth multiplier
- 1.94x
Year by year projection
Monthly SIP stays the same every year. Returns compound monthly at 12% per year.
| Year | Monthly SIP | Invested in year | Cumulative invested | End of year value |
|---|---|---|---|---|
| 1 | ₹10,000 | ₹1,20,000 | ₹1,20,000 | ₹1,28,093 |
| 2 | ₹10,000 | ₹1,20,000 | ₹2,40,000 | ₹2,72,432 |
| 3 | ₹10,000 | ₹1,20,000 | ₹3,60,000 | ₹4,35,076 |
| 4 | ₹10,000 | ₹1,20,000 | ₹4,80,000 | ₹6,18,348 |
| 5 | ₹10,000 | ₹1,20,000 | ₹6,00,000 | ₹8,24,864 |
| 6 | ₹10,000 | ₹1,20,000 | ₹7,20,000 | ₹10,57,570 |
| 7 | ₹10,000 | ₹1,20,000 | ₹8,40,000 | ₹13,19,790 |
| 8 | ₹10,000 | ₹1,20,000 | ₹9,60,000 | ₹16,15,266 |
| 9 | ₹10,000 | ₹1,20,000 | ₹10,80,000 | ₹19,48,215 |
| 10 | ₹10,000 | ₹1,20,000 | ₹12,00,000 | ₹23,23,391 |
Projections use the standard SIP formula FV = P x ((1 + i)^n - 1) / i, multiplied by (1 + i) when contributions debit at the start of the month. Numbers assume a constant return and ignore taxes, exit loads, fund expense ratios, and inflation. This is a planning estimate, not investment advice.
How to use
- Pick a mode: Future value, Required SIP, or Time to goal.
- Choose a currency. Indian rupee is the default; switch to USD, EUR, GBP, CAD, AUD, JPY, TRY, SGD, or AED as needed.
- Enter the monthly investment (or the target amount), the expected annual return as a percent, and the duration in years and months.
- Set an Annual step-up percent if you want the monthly SIP to grow each year. Leave it at 0 for a flat SIP.
- Read the headline result, the invested vs returns composition bar, and the year by year projection. Use Copy summary or Copy CSV to grab the numbers.
About this tool
SIP Calculator projects how a monthly Systematic Investment Plan grows into a corpus at a chosen expected return. Three calculator modes cover the canonical SIP questions: Future value takes a monthly investment, expected return, and duration and returns the projected corpus along with the invested amount and the estimated gains. Required SIP takes a target corpus and a deadline and solves for the monthly contribution you need to start with. Time to goal takes a fixed monthly amount and a target and solves for the number of months it takes to reach the target. Every mode supports an annual step-up SIP, which raises the monthly contribution by a fixed percentage every year to match a rising income. The math uses the standard SIP closed form FV equals P times ((1 plus i)^n minus 1) divided by i for ordinary annuities, multiplied by (1 plus i) when contributions debit at the start of the month, which is how almost every AMC and bank actually runs the math for an automated SIP. Step-up SIP is evaluated as a sum of yearly geometric annuities so the result stays exact at the monthly compounding cadence and matches the figures printed on AMC fact sheets. Currency switches between Indian rupee, US dollar, Euro, British pound, Canadian dollar, Australian dollar, Japanese yen, Turkish lira, Singapore dollar, and UAE dirham with full Intl currency formatting. The year by year schedule shows the monthly SIP, amount invested in that year, cumulative invested, and end of year value for every year of the plan, and copies as CSV for a spreadsheet. A composition bar splits the final corpus between the amount you put in and the returns the market added on top so you can see the impact of compounding at a glance. Useful for planning a long-horizon equity SIP, sizing a step-up SIP that tracks salary growth, working backwards from a retirement or down payment goal to the monthly investment that gets you there, comparing a flat SIP against a step-up SIP, and stress testing the same plan at 8 percent, 10 percent, and 12 percent expected returns. Projections assume a constant return and ignore taxes, exit loads, expense ratios, and inflation, so always cross check long term decisions with a qualified financial advisor.
Free to use. Works in your browser. No signup, no login.
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