What formula does this SIP calculator use?

It uses the future value of an annuity-due: FV = P * [((1 + i)^n − 1) / i] * (1 + i), where P is the per-period SIP, i is annual rate divided by periods per year, and n is years × periods per year.

Are my numbers uploaded anywhere?

No. All calculations run in your browser; nothing is sent to a server.

Can I change contribution frequency?

Yes—select monthly, quarterly, or yearly. The calculator aligns compounding with that frequency.

What’s the difference between invested amount and maturity value?

Invested amount is the total of your contributions. Maturity value is invested amount plus the growth from compounding. Wealth gained = maturity value − invested amount.

SIP Calculator – Systematic Investment Plan Returns

SIP Calculator – Estimate Systematic Investment Plan Returns

Enter your SIP details to see the total invested, wealth gained, and maturity value. Everything runs in your browser.

Inputs

Currency

Symbol is cosmetic; calculations are unitless.

SIP amount per period

Contribution made at the start of each period (annuity-due).

Contribution frequency

Expected annual return (%)

Nominal annual rate (pre-tax, pre-fees).

Investment period (years)

Results

Results will appear here.

Formula (annuity-due): $$\\text{FV} = P \\times \\frac{(1+i)^{n}-1}{i} \\times (1+i)$$ where $P$ is the per-period SIP, $i = r/m$, $n = m\\times t$, $r$ is annual rate, $m$ periods/year, $t$ years.

What this SIP Calculator shows

We compute your total invested amount, wealth gained, and maturity value, assuming contributions at the start of each period and compounding aligned to your chosen frequency.

Assumptions & Tips

Returns are modeled as a constant nominal annual rate. Real markets vary.
Taxes, fees, and inflation are not included.
Change frequency to quarterly or yearly to match products outside classic monthly SIPs.

Frequently Asked Questions

Can I enter step-up SIPs?

This version assumes a fixed contribution per period. If you’d like, we can add a step-up option.

Does it support partial years?

Yes—enter decimals in the years field (e.g., 7.5 years).

Is my data private?

Yes. Everything runs in your browser; no uploads or storage.

⭐ Starlight Tools / SIP Calculator