SIP Calculator
Calculate the future value of a Systematic Investment Plan (SIP) with optional annual step-up. Shows total invested, returns, and projected corpus. 100% private.
About SIP Calculator
Calculate the future value of a Systematic Investment Plan (SIP) with optional annual step-up. Shows total invested, returns, and projected corpus. 100% private. Everything runs locally in your browser — your data never leaves your device.
How to use
- Enter your input in the tool above.
- Adjust any options to your preference.
- Use the Copy or Download buttons to save the result.
- Everything happens locally — your data never leaves your browser.
FAQ
What is a SIP?
A Systematic Investment Plan is a way to invest a fixed amount in a mutual fund every month. Returns compound over time, growing your corpus significantly.
How is SIP future value calculated?
The standard formula is FV = P × [((1+r)^n − 1) / r] × (1+r), where P is the monthly investment, r is the monthly expected return rate, and n is the total months. Each installment is compounded for its remaining tenure.
What is a step-up SIP?
A step-up SIP increases your monthly contribution by a fixed percentage each year (typically 5–10%) — usually matching your salary hike. It accelerates corpus growth meaningfully over the long term.
Are these returns guaranteed?
No. The expected return rate is an assumption. Real mutual fund returns vary with the market. This tool gives you a projected corpus based on the rate you enter.
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