SIP Calculator
Project the growth of monthly SIP investments.
All calculations happen locally in your browser — nothing is uploaded, stored or tracked.
Enter the monthly amount
Your planned SIP instalment.
Set return and horizon
Expected annual return and number of years.
Add a step-up (optional)
Annual increase in the instalment.
What Is an SIP?
A Systematic Investment Plan invests a fixed amount at regular intervals (usually monthly) into a fund. It uses rupee-cost averaging — buying more units when prices are low, fewer when high — and benefits from compounding over long horizons.
The calculator projects the future value of your SIP at an assumed annual return, with an optional annual step-up (increasing the contribution each year). It separates your invested capital from the gains.
The Formula
P is the monthly investment, r the monthly rate (annual ÷ 12), n the number of months. With a step-up, the contribution grows annually by the step-up percentage.
Your data never leaves your device.
Every calculation on this site runs in your browser using vanilla JavaScript. Nothing is uploaded, stored or tracked.
- 100% local, client-side calculations
- No data stored on any server
- No tracking, no analytics, no ads scripts
- Works offline once loaded
Frequently Asked Questions
How does an SIP work?
You invest a fixed amount monthly; the units you buy average out market ups and downs, and compounding grows the total over time.
What is a good SIP return assumption?
Equity mutual funds have historically returned roughly 10–14% annually in some markets, but past returns are no guarantee — use your own assumption.
What is a step-up SIP?
Increasing the monthly amount annually (e.g. 10% per year) to keep pace with income growth — the calculator supports it.
How much can I accumulate?
A ₹10,000 monthly SIP at 12% over 20 years grows to roughly ₹1 crore — the calculator shows your exact numbers.
Is this financial advice?
No — it is a compounding calculator. Actual fund performance varies.