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SIP Calculator

Enter your plan details to see the projected value.

A SIP calculator projects what a monthly systematic investment plan could grow to over time. Enter how much you invest each month, an expected annual return rate, and your tenure. The tool shows the total you put in, the estimated returns on top, and the projected total value. Everything runs in your browser, with no signup and no currency assumptions, so you can plan in whatever currency you use.

How to use

  1. Enter the amount you plan to invest every month.
  2. Enter the expected annual return rate as a percentage.
  3. Enter your tenure and choose years or months.
  4. Read the invested amount, estimated returns, and total value in the results panel.
  5. Adjust any field to compare scenarios, or use Reset to start over.

Examples

  • Investing 5000 per month at a 12 percent expected return for 10 years gives an invested amount of 600,000, estimated returns of about 561,695, and a total value of about 1,161,695.
  • Investing 10000 per month at 0 percent for 5 years gives an invested amount of 600,000 and a total value of 600,000, with zero returns.
  • Investing 1000 per month at 8 percent for 12 months gives an invested amount of 12,000 and a total value of about 12,533.

FAQs

How is the SIP future value calculated?
It uses the standard SIP formula. With i as the monthly rate (annual rate divided by 1200) and n as the number of months, future value equals the monthly amount times ((1+i) to the power n, minus 1), divided by i, times (1+i). This assumes each installment is invested at the start of the month.
What does the expected return rate mean?
It is the annual rate of return you assume your investments will earn, entered as a percentage. The calculator converts it to a monthly rate internally. Real returns vary, so treat the result as an estimate rather than a guarantee.
Can I enter the tenure in months instead of years?
Yes. Use the unit selector next to the tenure field to switch between years and months. A tenure of 10 years and 120 months produce the same result.
What happens if I set the return rate to zero?
The total value simply equals the amount invested (monthly amount times number of months), and estimated returns are zero. The calculator handles this case directly so there is no division by zero.
Does this calculator assume a specific currency?
No. It works on the numbers you enter and formats them with thousands separators only. The same calculation applies whether you think in rupees, dollars, euros, or any other currency.
Are the results financial advice?
No. This is an estimate based on a fixed assumed return. Actual market returns fluctuate, and the tool does not account for fees, taxes, or inflation.

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