SIP Calculator
Plan your systematic investment plan with this free SIP calculator. Enter a monthly amount, expected return, and years to see your invested total, gains.
SIP Calculator
Enter your numbers below and hit Calculate — the answer appears instantly, computed entirely in your browser.
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What is Sip calculator?
SIP Calculator — Plan your systematic investment plan with this free SIP calculator. Enter a monthly amount, expected return, and years to see your invested total, gains.
The math comes from the open-source sip-calculator library (MIT license, by jitu097), using the standard annuity-due SIP formula: FV = P × [((1+i)^n − 1)/i] × (1+i), with monthly compounding where i is the annual return divided by 12. It assumes a constant annual return and contributions made at the start of each month. Markets fluctuate — this is an estimate for planning, not a promise of returns.
Why use this sip calculator?
Built for sip calculator
Plan your systematic investment plan with this free SIP calculator. Enter a monthly amount, expected return, and years to see your invested total, gains.
Transparent & honest
Assumes a constant annual return for the whole period — real market returns vary year to year.
Private by design
Everything runs in your browser. Your inputs never leave your device.
Works everywhere
Fully responsive — perfect on desktop, tablet, and mobile. No app needed.
Regularly updated
Regularly maintained and reviewed to ensure accuracy.
Free forever
No accounts, no limits, no watermarks. Use SIP Calculator as much as you need.
How to use SIP Calculator
- 1Enter your "Monthly investment ($)" — the fixed amount you plan to invest every month.
- 2Type your "Expected annual return (%)" as a plain number, e.g. 12 for 12%.
- 3Set "Years" to how long you will keep investing.
- 4Run the tool to see your maturity value at the end of the plan.
- 5Compare "Total invested" against "Estimated gains" to see how compounding rewards staying invested.
What can you do with SIP Calculator?
- Systematic investment plan — Plan your systematic investment plan with this free SIP calculator.
- Calculate sip returns — Plan your systematic investment plan with this free SIP calculator.
- How much invest monthly in sip — Plan your systematic investment plan with this free SIP calculator.
- Mutual fund sip returns work — Plan your systematic investment plan with this free SIP calculator.
Good to know
- Assumes a constant annual return for the whole period — real market returns vary year to year.
- Contributions are modeled at the start of each month with monthly compounding.
- Ignores taxes, fund expense ratios, and inflation.
How it works
The math comes from the open-source sip-calculator library (MIT license, by jitu097), using the standard annuity-due SIP formula: FV = P × [((1+i)^n − 1)/i] × (1+i), with monthly compounding where i is the annual return divided by 12. It assumes a constant annual return and contributions made at the start of each month. Markets fluctuate — this is an estimate for planning, not a promise of returns.
Examples
Status: ok — $60,000 invested grows to a maturity value of $116,170, with estimated gains of $56,170.
Status: ok — $60,000 invested grows to a maturity value of $78,082, with estimated gains of $18,082.
Status: ok — long horizons show compounding clearly: $45,000 invested grows to a maturity value of $87,086, with estimated gains of $42,086.
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