SIP Calculator
Project the future value of monthly SIP investments, or compare against a lumpsum.
Calculated locally in your browser. Nothing you enter is uploaded or stored.
- Free — no signup, no account, no watermark
- Runs entirely in your browser — nothing is uploaded to a server
- Works on mobile, tablet and desktop
- Instant — results appear as soon as you enter your input
Why this is private
- Calculated locally in your browser. Nothing you enter is uploaded or stored.
- Open your browser's DevTools → Network tab while using this tool — you won't see a request carrying your input, because it never leaves your device.
- Nothing you enter is uploaded to a server or shared with us — the processing happens entirely on your device.
Overview
Projects the maturity value of a Systematic Investment Plan — a fixed amount invested every month — assuming a constant expected annual return, with an optional side-by-side comparison against investing the same total amount as a single lumpsum.
How to use it
- 1Enter the monthly investment amount.
- 2Enter the expected annual return rate.
- 3Enter the investment duration in years.
- 4View the projected maturity value and total gain.
- 5Tick the comparison box to see the same total amount invested as a lumpsum instead.
Formula
SIP future value
FV = P × [((1 + i)^n − 1) / i] × (1 + i)
P = monthly investment, i = monthly rate of return, n = number of months.
Lumpsum comparison
FV = (monthly amount × months) × (1 + annual rate)^years
The same total amount, invested all at once instead of spread out.
Tips
- This calculator provides an estimate for planning purposes only and is not financial advice.
- Actual returns vary with market performance — this assumes a constant rate, which real investments rarely deliver exactly.
Frequently asked questions
What people use it for
Set a monthly SIP amount for a target corpusTry different monthly amounts until the projected maturity value matches your goal.
See how much longer tenure mattersCompare 10, 15 and 20 years at the same monthly amount to see compounding do the heavy lifting.
Split invested vs. gainsUnderstand how much of the projected value is your own contributions and how much is return.
Decide between SIP and a lumpsum you already haveTick the comparison to see whether investing a windfall all at once or spreading it monthly ends up ahead for the same total amount.
Related guides
- SIP vs. lumpsum: what the math actually saysSystematic investing and lump-sum investing solve different problems. Here's how to reason about which one fits your situation.
- Reduce EMI or reduce tenure after a part payment: which saves more?Both lower your total interest, but not by the same amount. Here's the trade-off, a worked example, and how to compare your own loan.
- How to calculate a home loan foreclosure amountOutstanding principal, accrued interest, charges and tax — what goes into a loan foreclosure (pre-closure) figure, and why the bank's number can differ.
- How to calculate EMI (and why the formula looks so intimidating)A plain-English walkthrough of the EMI formula, what each variable means, and a worked example you can check by hand.
Related tools
All finance toolsLumpsum CalculatorProject the future value of a one-time investment, with an optional inflation adjustment.CAGR CalculatorCalculate the Compound Annual Growth Rate of an investment.Compound Interest CalculatorCalculate compound interest with configurable compounding frequency and optional regular contributions.EMI CalculatorCalculate your monthly EMI, full amortization schedule, and part-payment or foreclosure savings.
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SIP Calculator