SIP Calculator
Systematic investment returns.
Systematic investment returns.
This is a simplified estimate for general information only — not financial, tax, or legal advice. Real figures vary by lender, rate, jurisdiction and your own circumstances, so confirm with a qualified professional before acting.
How to use SIP Calculator
- Enter your fixed monthly investment amount
- Set the expected annual return and number of years
- Read the total invested, estimated returns, and projected value
About SIP Calculator
The SIP Calculator estimates how much a Systematic Investment Plan (SIP) could grow over time. You enter a fixed monthly investment, your expected annual return, and the number of years, and it instantly breaks the result into three numbers: the total amount you put in, the estimated returns earned on top, and the projected total value at the end. It uses the standard SIP compounding formula, so the figures line up with what any broker or app calculator, whether Groww, a mutual fund house, or your bank, would show for the same inputs.
Because SIP investing is popular well beyond any one country, the math here works in every currency. The tool labels amounts in US dollars, but you can read the exact same figures as Indian rupees, so it doubles as a SIP calculator for India, the USA, or anywhere a systematic investment plan is offered. Only the currency symbol changes, never the calculation. It is built for quick what-if planning: raise the monthly amount, stretch the timeline, or nudge the return rate to see how each choice moves your final corpus.
Note that it assumes a level monthly deposit rather than a yearly step-up, and it does not subtract taxes, fund fees, or inflation, so treat the output as a clean planning estimate. It is completely free with no sign-up, and it runs entirely in your browser. Every calculation happens on your own device, so your investment figures are never uploaded to a server or stored anywhere.
Frequently asked questions
- Is the SIP calculator free to use?
- Yes. It is completely free with no account, sign-up, or subscription required. You can run as many calculations as you like.
- What does SIP or systematic investment plan actually mean?
- SIP stands for Systematic Investment Plan, which means investing a fixed amount at regular intervals, usually monthly, instead of a single lump sum. This calculator models the monthly version and estimates what those repeated deposits could grow into over your chosen time frame.
- How is the SIP future value calculated?
- It uses the standard SIP formula FV = P x (((1+i)^n - 1) / i) x (1+i), where P is your monthly investment, i is the monthly rate (annual return divided by 12), and n is the number of months (years x 12). If the return is 0%, the value equals your total contributions.
- What is the difference between invested amount, estimated returns, and total value?
- Invested amount is the sum of every monthly deposit (monthly investment times number of months). Estimated returns is the growth earned on top of that. Total value is the two added together, i.e. your projected portfolio at the end.
- Can I use this as a SIP calculator for India in rupees?
- Yes. SIP is especially popular in India, and the underlying formula is the same one Indian brokers and fund apps use. The tool shows dollar symbols, but you can enter your monthly amount in rupees and read every result, invested amount, returns, and total value, as rupees, since only the symbol differs.
- Does it work as a SIP calculator for the USA?
- Yes. Enter your monthly dollar amount and expected annual return, and it projects the same way a US systematic investment plan or automatic monthly fund contribution would grow. The dollar formatting already matches, so no conversion is needed.
- Does this do a step-up SIP calculation?
- This calculator uses a fixed monthly deposit, so it does not automatically raise your contribution each year the way a step-up SIP does. To approximate a step-up, run separate calculations for each contribution level and add the projected values, or use your average expected monthly amount.
- Will my results match Groww's SIP calculator?
- Yes, as long as you use the same monthly amount, return rate, and duration. This tool applies the standard SIP future-value formula, which is the same math behind Groww and other popular SIP calculators, so the projected total value should line up.
- What return rate should I enter?
- Enter the annual return you realistically expect from your fund or portfolio, before taxes and fees. Many people model a range, for example a conservative, moderate, and optimistic rate, and run the calculator once for each to see the spread of possible outcomes.
- Does the result account for taxes, fees, or inflation?
- No. The projection assumes a fixed monthly deposit and a constant annual return. It does not deduct taxes, fund fees, or adjust for inflation, so treat it as a planning estimate rather than a guarantee.
- Is my financial data uploaded or stored anywhere?
- No. All calculations run entirely in your browser on your own device. Your monthly investment, return rate, and other inputs are never sent to a server, saved, or shared.