What is SIP Calculator?
See what a monthly SIP could grow into. Enter your contribution, how long you plan to invest and an expected annual return to project the maturity value — and, more usefully, how much of it comes from compounding rather than your own contributions.
How to use SIP Calculator
- Enter the amount you plan to invest each month.
- Set the duration in years.
- Choose an expected annual return — 10–12% is a common long-term assumption for equity funds.
- Compare the total invested, estimated gains and projected future value.
Why use this tool?
See compounding at work
Over long periods the gains often exceed the total invested. Seeing that split is the clearest argument for starting early.
Plan realistic goals
Work backwards from a target by adjusting the monthly amount until the projection matches what you need.
Frequently asked questions
What return rate should I assume?
Long-term equity funds are often modelled at 10–12% annually, debt funds lower. These are assumptions, not guarantees — actual returns vary and can be negative in any given year.
Are these returns guaranteed?
No. This is a mathematical projection based on a constant rate you choose. Real markets fluctuate, so treat the result as a planning estimate rather than a promise.
Is this tool really free?
Yes, completely free with no limits, no watermarks, no account and no trial period. Because everything runs on your own device, there are no server costs to pass on to you.