📈SIP Calculator
See how much your monthly investments could grow over time.
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About this calculator
A Systematic Investment Plan (SIP) lets you invest a fixed amount every month rather than a lump sum. Because each contribution compounds and you buy in at different price points over time, SIPs benefit from both compounding and rupee-cost averaging. This calculator estimates the future value of your investments, how much you actually put in, and the gains earned on top.
Formula
FV = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P = monthly investment, i = monthly return (annual ÷ 12 ÷ 100), n = number of months.
How to use
Enter your Monthly Investment, Time Period, Expected Return (p.a.), Initial Lump Sum, Annual Step-Up, Inflation Rate above — the result updates instantly as you type or drag the sliders. It's free and needs no sign-up.
Frequently Asked Questions
What does the SIP Calculator do? ▼
See how much your monthly investments could grow over time.
How do I use the SIP Calculator? ▼
Enter your values using the input fields or sliders. The result updates instantly — no submit button needed. All calculations run in your browser.
How accurate is the SIP Calculator? ▼
The SIP Calculator uses standard mathematical formulas and the inputs you provide. Results are estimates meant to guide decisions — consult a qualified professional for advice specific to your situation.
Can I use the SIP Calculator with any currency? ▼
Yes. The SIP Calculator is currency-neutral — it works with plain numbers, so you can treat the amounts as dollars, euros, rupees, or any currency you like.
Is my data saved when I use the SIP Calculator? ▼
No. The SIP Calculator runs entirely in your browser. The numbers you enter are never uploaded, stored, or shared — they disappear when you close the page.
Is the SIP Calculator free? ▼
Yes — completely free. No sign-up, no download, and no account required. Works in any browser.
Are SIP returns guaranteed? ▼
No. The expected return you enter is an assumption — actual market returns vary year to year. The result is a projection, not a promise.
What's the difference between SIP and a lump-sum investment? ▼
A SIP spreads investing across time (averaging your purchase price), while a lump sum invests everything at once. Use the Future Value calculator to model a one-time investment.