SIP Calculator
Project the future value of a Systematic Investment Plan. Monthly contribution, expected annual return, investment period, optional annual step-up. Year-by-year breakdown of contributions, balance and returns.
| Year | Monthly SIP | Invested | Balance | Returns |
|---|---|---|---|---|
| 1 | ₹10,000 | ₹1,20,000 | ₹1,28,093 | ₹8,093 |
| 2 | ₹10,000 | ₹2,40,000 | ₹2,72,432 | ₹32,432 |
| 3 | ₹10,000 | ₹3,60,000 | ₹4,35,076 | ₹75,076 |
| 4 | ₹10,000 | ₹4,80,000 | ₹6,18,348 | ₹1,38,348 |
| 5 | ₹10,000 | ₹6,00,000 | ₹8,24,864 | ₹2,24,864 |
| 6 | ₹10,000 | ₹7,20,000 | ₹10,57,570 | ₹3,37,570 |
| 7 | ₹10,000 | ₹8,40,000 | ₹13,19,790 | ₹4,79,790 |
| 8 | ₹10,000 | ₹9,60,000 | ₹16,15,266 | ₹6,55,266 |
| 9 | ₹10,000 | ₹10,80,000 | ₹19,48,215 | ₹8,68,215 |
| 10 | ₹10,000 | ₹12,00,000 | ₹23,23,391 | ₹11,23,391 |
| 11 | ₹10,000 | ₹13,20,000 | ₹27,46,148 | ₹14,26,148 |
| 12 | ₹10,000 | ₹14,40,000 | ₹32,22,522 | ₹17,82,522 |
| 13 | ₹10,000 | ₹15,60,000 | ₹37,59,311 | ₹21,99,311 |
| 14 | ₹10,000 | ₹16,80,000 | ₹43,64,180 | ₹26,84,180 |
| 15 | ₹10,000 | ₹18,00,000 | ₹50,45,760 | ₹32,45,760 |
What powers the SIP Calculator
Standard SIP formula with monthly compounding
Annual step-up (increase monthly amount each year)
Year-by-year corpus and returns breakdown
INR + 6 other currencies
Invested vs gained split
Instant
Why the SIP Calculator is different
Browser-native
The SIP Calculator runs entirely in your browser. Input is processed locally — never uploaded, never logged, never cached anywhere outside your device.
No artificial limits
No daily quotas, no character ceilings, no "upgrade for more" walls. Every feature is the complete feature — the same on the first use as the thousandth.
Production-grade quality
Built to the same engineering bar as paid SaaS tools — accurate algorithms, audited logic, responsive design and accessibility-tested interactions.
Common use contexts
- Planning long-term wealth via mutual fund SIPs (India)
- Comparing different monthly contribution amounts
- Visualizing the impact of step-up SIP
- Setting realistic retirement / goal corpus targets
Private and secure
Zero upload
All processing happens in your browser. Input is never transmitted, logged or cached.
Works offline
Once the page loads, the tool runs without an internet connection. No network calls happen during use.
No tracking
No accounts, no cookies for tool state. Only aggregate analytics count visits at the page level.