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SIP Calculator — Free Online Tool
SIP Calculator projects what a regular monthly investment could grow to over time, and separates how much of that is your own contribution versus growth. It also supports step-up SIPs, where you increase the monthly amount each year. All projections are calculated in your browser.
🚀 Try SIP Calculator now
Free · No signup · Runs in your browser · Instant results
Open SIP Calculator →📌 What is SIP Calculator?
A systematic investment plan means putting in a fixed amount every month rather than a lump sum. Each month's contribution has a different amount of time to grow, which makes the total awkward to work out by hand. This calculator does that compounding for you and shows the invested amount and the estimated gain side by side.
🚀 How to use SIP Calculator
- Open the SIP Calculator using the button below
- Enter your monthly investment amount and currency
- Enter the expected annual return and how many years you plan to invest
- Optionally tick step-up SIP to increase your contribution each year
👉 Ready? SIP Calculator tool and get started now!
✨ Features and benefits
- 100% free — no registration or signup required
- Calculated in your browser — the numbers you enter are never uploaded
- Instant results — figures update as you type, with no button to press
- Works on all devices — mobile, tablet and desktop
- Nothing to install — runs directly in your browser
❓ Frequently asked questions
Are SIP returns guaranteed?
No. Market-linked investments do not offer guaranteed returns. The figure shown is a projection based on the constant rate you entered, and real returns vary year to year.
What is a step-up SIP?
A step-up SIP raises your monthly contribution by a set percentage every year, usually in line with rising income. It can make a large difference over long periods.
Does the projection include tax or fund charges?
No. It shows gross growth. Tax on gains and any fund expense ratio would reduce the final amount.
What return rate should I assume?
That is your judgement to make. Many people model a few scenarios — a conservative one and an optimistic one — rather than relying on a single number.