SIP Calculator

SIP Calculator projects how a Systematic Investment Plan could grow, taking your monthly contribution, an expected annual return, and the investment period, and estimating the final corpus along with how much of it is your own contributions versus growth.

The maths is the future value of a series of regular payments: each monthly investment compounds for the time remaining, and the sum is your projected maturity value. Separating total invested from estimated returns makes the power of long-term, regular investing visible, the gains often dwarf the contributions over long horizons.

It's essential to read the output as an illustration, not a guarantee. It assumes a constant return you choose, whereas real markets fluctuate and can fall; the figure is also nominal and pre-tax, so inflation and taxes will reduce your real outcome. This is a planning aid, not financial advice.

The most useful habit is to test a range of assumptions, conservative and optimistic return rates, different durations and amounts, to understand the realistic spread rather than fixating on one rosy number. Everything runs in your browser, so your figures stay private. Pair it with the FD and Compound Interest calculators to compare options.