SIP Calculator

Calculate Systematic Investment Plan returns for free. Enter monthly amount, return rate, and period to see maturity value and year-wise growth. No account.

Investment Details

5,000
12 %
10 Years

Maturity Amount

0

Total Investment

0

Wealth Gained

0

Year-wise Growth Projection

Year Investment in Year Return in Year Total Investment Maturity Value
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SIP Calculator

SIP Investment Calculator

Calculate the future value of your Systematic Investment Plans (SIP) in mutual funds using compound interest models.

Local SIP Evaluator
STEP 01

Enter Monthly Deposit

Input the fixed amount of cash you plan to invest regularly every month.

STEP 02

Set Expected Return

Provide your estimated annual rate of return (CAGR) based on historical index fund performances.

STEP 03

Specify Investment Tenure

Define the total number of years you plan to continue making monthly deposits.

STEP 04

Inspect Estimated Wealth

Review your projected portfolio balance, total contributions made, and accumulated interest wealth.

Your Privacy Matters

All processing stays in your browser

No Server Uploads

Files never leave your device

Auto-Cleared

Data removed when you close

Capabilities

SIP Tracking Features

Wealth Tools

Monthly Compound Engine

Calculates interest using monthly compounding frequencies, accurately matching standard SIP payouts.

Investment vs Gain Splits

Breaks down your total investment value against interest earnings to show compounding efficiency.

Lumpsum Compare Benchmarks

Allows you to benchmark SIP dollar-cost averaging yields against a single lumpsum allocation.

Dynamic Tenure Adjuster

Enables you to instantly slider-change interest rates and timelines to plan retirement targets.

100% Client-Side Privacy

Your monthly deposits, return parameters, and timeline horizons are parsed locally inside your browser memory sandbox. We ensure offline safety with zero server uploads.

Support

SIP Investment Questions

Quick help
Q1 What is a Systematic Investment Plan (SIP)?
A Systematic Investment Plan (SIP) is a method of investing a fixed sum of money regularly into mutual funds or stocks, rather than making a one-time lumpsum payment.
Q2 How does a SIP lower risk in mutual funds?
SIPs utilize Rupee-Cost Averaging (or Dollar-Cost Averaging). Since you invest a fixed amount regularly, you buy more mutual fund units when prices are low and fewer units when prices are high, averaging out costs over time.
Q3 Can I stop or pause my SIP at any time?
Yes, you can pause, stop, or adjust your SIP contributions at any time without penalty, making it a highly flexible investment vehicle compared to fixed bank deposits.
Q4 What are the average returns of a mutual fund SIP?
Long-term equity mutual fund SIPs (10+ years) have historically yielded average returns between 12% and 15% annually, although market fluctuations mean returns are never guaranteed.
Q5 Are my monthly savings goals or interest calculations sent to a server?
No, absolutely not. All compounding simulations and maturity projections are calculated locally in your browser sandbox. None of your financial data leaves your device.