SIP Calculator
Calculate future value of a Systematic Investment Plan, with an optional start date
Leave empty for plain year numbers. With a date, the table shows the real months of each year, and the result shows your last contribution and the date the maturity value is reached. The date only labels the plan; the amounts do not change.
Estimated Future Value
₹11,61,695
about 11.62 lakh
Invested Amount
₹6,00,000
Estimated Gains
₹5,61,695
Estimate assuming a constant annual return, each instalment invested at the start of the month. Interest compounds monthly at the annual rate divided by 12, so the effective annual return is higher than the rate you enter (12% becomes about 12.68% a year). Real markets don't guarantee returns. Not investment advice.
Reading results never uses a trial use. Copying, saving or printing uses 1 per visit.
About SIP Calculator
Calculates the projected future value of a Systematic Investment Plan (SIP): regular monthly investments, with an optional yearly step-up and an optional lumpsum, shown in Indian digit grouping (lakh and crore) and in today's money.
Enter your monthly investment, the expected annual return and the period. Add an annual step-up percentage if you plan to raise your SIP each year, a lumpsum if you are also investing a one-time amount, and an inflation rate to see the value in today's money, in whichever of the ten currencies you pick. Returns compound monthly at the annual rate divided by 12 (the convention most SIP calculators use), which makes the effective annual return higher than the stated rate: 12% a year becomes about 12.68%. Optionally add the date of your first contribution to see the real months of each year in the table, your last contribution and the date the maturity value is reached; the date only labels the plan and never changes an amount.
The expected return is the biggest driver and the hardest to predict — try a few reasonable rates for a realistic range. A modest yearly step-up (say 10%) can add a large amount over a long period.
Watch: SIP Calculator in Action
- Which input has the biggest effect on the projected result?
- The expected return rate — it's the single biggest driver of the projected result and the hardest to predict accurately. Try the calculation at a few different reasonable rates to see a realistic range rather than anchoring on one optimistic number.
- What formula does it use?
- For each month the balance becomes (previous balance + that month's instalment) x (1 + annual rate / 12), starting from the lumpsum. The instalment is the monthly amount, multiplied by (1 + step-up) once for each completed year.
- Is the expected return a prediction?
- No. It is simply a number you enter and the tool holds it constant. Real returns vary and can be negative, so the output only shows what would follow from that assumption. Try several values rather than relying on one.
- Is the interest compounded monthly or yearly?
- Monthly. An entered rate of 12 percent becomes 1 percent per month, which compounds to slightly more than 12 percent over a full year. Figures from tools that use a yearly effective rate will therefore differ a little.
- How does the yearly step-up work?
- The instalment stays the same for 12 months, then rises by the step-up percentage, and again every 12 months after that. With a step-up of 10 and a monthly amount of 5000, year two is 5500 per month.
- What does the today's money line mean?
- It appears when inflation is above zero. The final balance is divided by (1 + inflation) raised to the number of years, giving a rough sense of purchasing power. It does not change the future value shown above it.
- What does the first contribution date do in the SIP calculator?
- It is optional. Enter the date of your first monthly investment and the year-by-year table shows the real months each year covers, such as Jan 2027 to Dec 2027, and the result shows your last contribution and the date the maturity value is reached. Leave it empty and the table shows plain year numbers, as before.
- Does the start date change the future value or the returns?
- No. The date only puts calendar dates on the plan. Returns still compound monthly on whole months, so the future value, the invested amount and the gains are the same for any date. A start day of the 29th to 31st moves to the last day of shorter months, so a plan that starts on Jan 31 has its second contribution on Feb 28.
- Can I add a one-time lumpsum to my SIP?
- Yes. Lumpsum (optional) is a one-time amount present from the start, and the monthly growth starts from it.
- What is the effective annual return when I enter 12%?
- About 12.68% a year, because returns compound monthly at the annual rate divided by 12.
- Is each instalment invested at the start or end of the month?
- The estimate assumes each instalment is invested at the start of the month.
- Which currencies are supported, and does it show lakh and crore?
- Ten currencies: USD, EUR, GBP, INR, CAD, AUD, JPY, SGD, AED and ZAR. With INR selected, the total is also written in lakh or crore once it reaches one lakh.
- What does the year-by-year table show?
- Press Show year-by-year table to see Contributed, Interest and Balance at the end of each year, with the last row ending at the end of your period.
- Does reading the result use a trial use?
- No. Reading results never uses a trial use. Copying, saving or printing uses 1 per visit. Professional tools like this one have 10 trial uses a day.
- Is a SIP calculator the same as a 401(k) retirement calculator?
- No. This projects regular monthly investments with an optional step-up. For US workplace retirement savings with employer match and the IRS contribution limit, use the 401(k) Calculator.
How to use SIP Calculator
Fill in Monthly investment and choose a Currency from the ten offered (USD, EUR, GBP, INR, CAD, AUD, JPY, SGD, AED, ZAR). Then enter Expected annual return (%) and Investment period (years). Three optional boxes follow: Yearly step-up (%), which raises each year's monthly amount by that percentage, Lumpsum (optional), a one-time amount present from the start, and Inflation (%).
Results appear as you type: Estimated Future Value, Invested Amount and Estimated Gains. With INR selected the total is also written in lakh or crore, and an inflation rate above zero adds a line with the value in today's money. Press Show year-by-year table to see Contributed, Interest and Balance at the end of each year.
The First contribution date box is optional. Enter the date of your first monthly investment and the table shows the real months each year covers, such as Jan 2027 to Dec 2027, while a line under the results gives your first and last contribution and the date the maturity value is reached. A start day of the 29th to 31st moves to the last day of shorter months. The date only labels the plan: the future value, the invested amount and the gains do not change with it.
When to use it
Use it to see how the same monthly amount behaves under different assumptions: compare a 10-year with a 20-year horizon, a flat contribution with a yearly step-up, or a result with and without an opening lumpsum. It also lets you check a figure quoted in a brochure against a transparent formula, or express a savings goal in today's money.
When not to use it
Do not read the output as a forecast or a promise. It ignores fees, taxes, exit charges and the ups and downs of real markets, and applies one fixed rate to every month. For a loan, a withdrawal schedule or interest on a single deposit, a loan, retirement or compound interest calculator fits better. This is general information and not financial advice.
Tips for best results
Try three rates, a low, a middle and a high guess, and look at the spread instead of one number. The year-by-year table separates your own contributions from the growth, which makes the effect of time visible. Entering inflation divides the final balance by the cumulative price rise over the whole period, so it compares the result with today's prices. Leave step-up at 0 to see a flat contribution.
Limitations
The model is monthly: the period is rounded to whole months, the yearly rate is divided by 12, and each instalment is added at the start of its month before that month's growth. The step-up changes the amount once every 12 months. The return is whatever you type, held constant. Returns outside 0 to 100 percent and periods beyond 60 years are rejected.
Privacy
All arithmetic runs in your browser as you type. The amounts, rates and currency you choose are not transmitted or saved, and reloading the tab returns the boxes to their starting values of 5000, 12 percent and 10 years. The site only counts, anonymously, that the calculator was used.
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