SIP Calculator
SIP Calculator: free, instant and private. The result depends entirely on how long you stay invested, not on timing the market.
How the SIP Calculator works
The SIP Calculator takes Monthly investment, Expected return (% p.a.), Duration (years) and returns the answer instantly — no button to hunt for, no page reload. The result depends entirely on how long you stay invested, not on timing the market. The last few years of a 20-year SIP usually add more to the corpus than the first ten put together.
Enter your own numbers to replace the example values; the result panel updates as you type. Everything runs in this single page, so nothing you enter leaves your device.
Formula used
FV = P × ((1 + i)^n − 1) / i × (1 + i)
| Symbol | Meaning |
|---|---|
| P | monthly investment |
| i | monthly rate = annual return ÷ 12 |
| n | number of monthly instalments |
The result depends entirely on how long you stay invested, not on timing the market. The last few years of a 20-year SIP usually add more to the corpus than the first ten put together.
Inputs used: Monthly investment, Expected return (% p.a.), Duration (years).
Worked example
Take the default example — monthly investment of 5000, expected return (% p.a.) of 12, duration (years) of 10:
- Maturity value: 1,161,695.38
- Estimated gains: 561,695.38
- Total invested: 600,000
Frequently asked questions
- What formula does the SIP Calculator use?
- It uses FV = P × ((1 + i)^n − 1) / i × (1 + i), where P is the monthly investment; i is the monthly rate = annual return ÷ 12; n is the number of monthly instalments.
- Is the SIP Calculator free?
- Yes. There is no signup, no usage limit and no watermark — the calculator runs entirely in your browser.
- How do I read the result?
- The result depends entirely on how long you stay invested, not on timing the market. The last few years of a 20-year SIP usually add more to the corpus than the first ten put together.
- Does the SIP Calculator store or send my data?
- No. Every calculation happens locally in the page, so the numbers you type are never uploaded or logged.
- Does it work on a phone and offline?
- Yes — the page is a single lightweight file that adapts to any screen size. Once it has loaded it keeps working without a network connection.