SIP Calculator

Each monthly contribution is added to the running balance and then grown by one month at the expected monthly rate, which is the annual rate divided by 12. Repeating that for every month of the term and summing the results gives the projected future value.

Start of month. The model treats each installment as invested at the beginning of the month, so it earns growth for that whole month. This is known as an annuity due and matches how most real SIPs debit and invest early in the cycle.

No. The expected return is an assumption you enter, not a promise. Real market returns rise and fall, so the future value is an illustration to help you plan, not a forecast of what any specific fund will deliver.

No. The figure is a nominal projection before inflation, capital gains tax and the fund's expense ratio. To gauge real purchasing power, mentally discount the result by your expected inflation rate.

Use a realistic long-term assumption for your fund type. Many people model diversified equity SIPs around 10 to 12 percent for illustration, and lower for debt or hybrid funds. When in doubt, run a conservative and an optimistic scenario.

For each year it lists the cumulative amount you have invested and the projected value of the portfolio at that point. The gap between the two columns is your running gain, which widens as compounding takes hold.

Yes. The annual return is divided by 12 and applied each month, so returns compound monthly. That matches the monthly rhythm of the contributions.

No. It assumes the same fixed contribution every month. A step-up SIP raises the amount each year, which grows the final value further, so treat this as the flat-contribution baseline.

Yes. All calculations run in your browser and nothing you enter is uploaded, so your figures stay on your device.