Privacy Blog Support

SIP Calculator

Calculate your Systematic Investment Plan returns in any currency. Estimate your maturity amount, total invested, and wealth gained over time. Free, private, and runs entirely in your browser.

SIP Details

$
%
Years
Maturity Amount
$0
Total Invested
$0
Wealth Gained
$0
Invested Amount
$0
Investment Duration
10 years

Yearly Growth Breakdown

Year Invested Returns Maturity Value
Enter your SIP details and click Calculate SIP to see the yearly breakdown.

What is a SIP calculator?

A SIP calculator is an online tool that estimates the future value of your Systematic Investment Plan. You invest a fixed amount regularly (usually monthly) into mutual funds or other investment vehicles, and the calculator projects how your investments will grow over time using compound interest.

This free SIP calculator supports over 30 global currencies including USD, EUR, GBP, INR, JPY, AUD, CAD, and more. It also supports step-up SIPs (where you increase your monthly investment annually) and inflation-adjusted returns, so you can see your real purchasing power at maturity.

Unlike most SIP calculators, everything runs locally in your browser — no data is uploaded to a server, no account is required, and there are no watermarks or usage limits.

How to use the SIP calculator

  1. Pick your currency: Choose from over 30 global currencies.
  2. Enter your monthly investment: The amount you plan to invest every month.
  3. Enter the expected annual return rate: Historical equity mutual fund returns are around 10% to 14% annually. Use conservative estimates for planning.
  4. Choose your investment duration: Use the slider or type the number of years (1 to 50).
  5. Enable step-up (optional): If you plan to increase your investment annually, toggle the step-up switch and enter the annual increase percentage.
  6. Enable inflation adjustment (optional): To see returns in today's purchasing power, toggle inflation adjustment and enter an expected inflation rate.
  7. Click Calculate SIP: Your maturity amount, total invested, wealth gained, and yearly breakdown appear instantly.

No signup, no email, no waiting. The entire process takes seconds.

Why use this SIP calculator?

30+ global currencies

Choose from USD, EUR, GBP, INR, JPY, AUD, CAD, and many more. All results display in your selected currency.

100% private

Everything runs in your browser. The financial details you enter never leave your device — no server, no logs, no tracking.

Yearly growth breakdown

See exactly how your investment grows year by year, with invested amount, returns, and maturity value for each year.

Visual breakdown

A clear donut chart shows the proportion of invested amount vs returns in your total maturity value.

Step-up SIP support

Model a step-up SIP where you increase your monthly investment annually as your income grows.

Works offline

Once the page loads, you can use the calculator without an internet connection. Bookmark it for quick access.

The SIP formula explained

The maturity value of a SIP is calculated using the compound interest formula:

M = P × ({[1 + i]n − 1} / i) × (1 + i)

  • M = Maturity value (future value)
  • P = Monthly investment amount
  • i = Monthly rate of return (annual rate ÷ 12 ÷ 100)
  • n = Total number of monthly installments

For example, a $500 monthly SIP at 12% annual return for 10 years (120 months) gives a maturity value of approximately $1,16,169. Of this, $60,000 is your total investment, and $56,169 is the wealth gained through compound growth.

How step-up SIPs work

In a step-up SIP, you increase your monthly investment by a fixed percentage every year. For example, if you start with $500 per month and increase it by 10% annually, your investment becomes $550 in year two, $605 in year three, and so on. This can significantly boost your final corpus compared to a flat SIP.

Why inflation adjustment matters

Inflation reduces the purchasing power of money over time. A $10,00,000 maturity value 20 years from now will not buy what $10,00,000 buys today. Inflation-adjusted returns show the real value of your investment in today's money, giving you a more realistic picture of your future wealth.

What can you use this SIP calculator for?

Retirement planning

  • Estimate how much you need to invest monthly to build a retirement corpus
  • See how increasing your SIP by 10% annually accelerates wealth creation
  • Check whether your current SIP is on track to meet your retirement goal
  • Factor in inflation to understand real future purchasing power

Goal-based investing

  • Plan for a child's education by calculating the required monthly investment
  • Save for a home down payment with a systematic investment plan
  • Build an emergency fund through disciplined monthly investing
  • Plan for a dream vacation or major purchase

Wealth building

  • Compare SIP returns across different time horizons
  • See the impact of small increases in monthly investment
  • Understand how compound growth accelerates over long periods
  • Model step-up SIPs to match your growing income

Tips for SIP investing

  • Start early. The longer your investment horizon, the more compound growth works in your favor. Even small monthly investments can grow significantly over 20 to 30 years.
  • Be consistent. SIP success comes from discipline. Continue investing through market ups and downs to benefit from rupee cost averaging.
  • Increase your SIP annually. A step-up SIP of 10% per year can dramatically increase your final corpus, especially over long horizons.
  • Use realistic return estimates. Historical equity returns are around 10% to 14%, but past performance doesn't guarantee future results. Use 10% to 12% for conservative planning.
  • Account for inflation. A large maturity value may look impressive, but its real value depends on inflation. Use the inflation adjustment feature to see today's purchasing power.
  • Review periodically. As your income grows, increase your SIP amount. As you approach your goal, consider shifting to more conservative funds.

Frequently asked questions

A SIP calculator is an online tool that estimates the future value of your Systematic Investment Plan. It uses compound interest formulas to project how your regular monthly investments grow over time, based on the expected rate of return and investment duration.
A SIP calculator uses the formula: M = P × ({[1 + i]^n – 1} / i) × (1 + i), where P is your monthly investment amount, i is the monthly rate of return (annual rate ÷ 12 ÷ 100), and n is the number of monthly installments. It applies compound interest to project the maturity value.
Yes, completely free. No signup, no hidden charges, no usage limits. Calculate as many SIP scenarios as you want.
Yes. You can choose from over 30 global currencies including USD, EUR, GBP, INR, JPY, AUD, CAD, CHF, SGD, HKD, NZD, AED, SAR, ZAR, BRL, MXN, RUB, KRW, MYR, THB, IDR, PHP, PKR, BDT, NGN, EGP, TRY, PLN, SEK, NOK, and DKK. All results are displayed in your selected currency.
A step-up SIP (also called top-up SIP) is a feature where you increase your monthly investment amount by a fixed percentage every year. This helps you invest more as your income grows, potentially leading to significantly higher returns over the long term. For example, if you start with $500 per month and step up by 10% annually, your investment becomes $550 in year two, $605 in year three, and so on.
Expected returns depend on the type of mutual fund you invest in. Historically, equity mutual funds have delivered around 10% to 14% annually over long periods, while debt funds typically deliver 6% to 8%. However, returns are not guaranteed and market conditions vary. Use conservative estimates for planning.
Inflation-adjusted return (also called real return) shows the value of your investment in today's purchasing power, after accounting for inflation. For example, if your SIP grows to $10,00,000 in 20 years but inflation averages 6% annually, the real value in today's money is much lower. The inflation adjustment toggle in this calculator helps you see this real value.
Absolutely. Everything runs in your browser using JavaScript. The numbers you enter never leave your device — there is no server processing, no logging, and no data storage.
Yes. The yearly growth breakdown table shows, for each year, the total amount invested so far, the returns earned, and the maturity value at the end of that year. This helps you understand how your investment grows over time.
No. This calculator shows the gross maturity value based on your monthly investment, expected return rate, and duration. Taxes on capital gains and exit loads vary by fund type and holding period, and are not included. Consult a tax advisor for accurate post-tax returns.