SIP Calculator
Systematic investment returns.
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About SIP Calculator
The SIP Calculator estimates how much a Systematic Investment Plan could grow over time. Enter a fixed monthly investment, your expected annual return, and the number of years, and it instantly shows the total invested amount, the estimated returns earned, and the projected total value using standard SIP compounding math.
It's completely free with no sign-up, and it runs entirely in your browser. Every calculation happens on your device, so your numbers are never sent 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.
- 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.
- 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.
- 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.
- Can I use it for any currency?
- Amounts are formatted in US dollars, but the underlying math is identical for any currency. Just read the figures as your own currency, since only the symbol differs.