SIP Calculator — Estimate Systematic Investment Plan Returns

Enter SIP details to see total invested, wealth gained, and maturity value. Private: everything runs in your browser.

Inputs

Symbol is cosmetic; calculations are unitless.
Contribution made at the start of each period (annuity-due).
Nominal annual rate (pre-tax, pre-fees).
Supports partial years (e.g., 7.5).

Shortcuts: Enter to calculate, Esc to clear.

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.

5 Fun Facts about SIPs

The first contribution works hardest

Your very first SIP installment compounds for the entire journey—it often ends up larger than your final year’s deposits combined.

Time in market

12 drips beat 4 dumps

Putting money in monthly usually beats quarterly for the same yearly total—those extra weeks in the market sneak in more compounding.

Frequency edge

Volatility can be fuel

When prices dip, your fixed SIP buys more units. Choppy markets often leave you with more units than a smooth, always-up market.

Cost averaging

Skipping early hurts more

Pausing the first year of a 10-year SIP costs far more than pausing the last year—early contributions get the longest compounding runway.

Stay consistent

Tiny step-ups compound too

A modest 5% yearly bump to your SIP can add around 20% more to a 10-year plan (at 12% returns) versus keeping it flat.

Raise yearly

Explore more tools