About the SIP / Investment Calculator
A free, instant tool that projects how your systematic investments grow through the power of compounding.
What it is
The SIP / Investment Calculator estimates the future value of regular (monthly, quarterly, or yearly) investments over a chosen period at a given expected return. Enter your figures and results update instantly — no submit button, no page reload.
It uses a month-by-month compounding simulation: your expected annual return is converted to a monthly rate, contributions are added at each period, and the portfolio value is recalculated each month. An optional lump sum is added to the starting balance and compounds throughout. Everything runs entirely in your browser — your figures are never sent to a server.
Key features
SIP future value
Projects your maturity value from regular contributions at your chosen frequency, clearly splitting the amount you invested from estimated returns.
Optional lump sum
Combine a one-time lump sum with your SIP contributions in a single projection, showing the combined corpus at the end of the term.
Contribution frequency
Supports monthly, quarterly, and yearly contribution schedules. Switch frequency and see the projection update immediately.
Step-up SIP
Set an annual percentage increase to your contribution — mirroring salary growth — and see how the accelerating investment boosts your corpus over time.
Growth chart
An SVG chart plots total invested vs portfolio value over the full investment period, making the compounding effect visually clear.
Year-by-year breakdown
A table shows total invested, portfolio value, and estimated returns at the end of each year so you can track exactly how your corpus grows.
Indian & international number formats
Toggle between Indian (lakh / crore) and international (thousand / million) grouping. Defaults to Indian since SIP is a primarily India-centric product.
Live numbers-in-words
Key inputs and all summary outputs show the figure in words as you type — a quick sanity check against accidental extra zeros.
How SIP compounding works
Each instalment you invest starts earning returns from the moment it enters the fund. Earlier instalments compound for longer, so the growth curve accelerates over time rather than rising in a straight line. This is why a long investment horizon makes a disproportionate difference to your final corpus — a 10-year SIP at 12% does not return twice as much as a 5-year SIP, it returns significantly more because the early instalments have compounded for so long.
The step-up option amplifies this further: by increasing your contribution each year you add more capital precisely when earlier instalments have already had time to compound, giving the biggest boost to the later years of your projection.
Who it's for
Mutual fund investors
Model existing or planned SIPs in equity, hybrid, or debt funds to see how they could grow at different assumed return rates.
Goal-based planners
Work backwards from a target corpus — adjust the monthly amount, return, and period until the maturity value meets your goal (house, education, retirement).
First-time investors
Understand how even a small monthly investment can grow into a significant corpus over a long period through the power of compounding.
Financial planners
Quickly illustrate projections to clients, comparing different SIP amounts, frequencies, step-up rates, and time horizons side by side.
Related calculators
Compound Interest Calculator — project lump-sum growth with adjustable compounding frequency and regular contributions.
Loan / EMI Calculator — calculate your monthly EMI, total interest, and full amortization schedule.
Mortgage Calculator — estimate your home loan payment with taxes, insurance, and PMI included.
Ready to project your SIP returns?
Free, no sign-up required. Works on any device, instantly.
Open the Calculator