Calculators & Converters
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SIP Calculator
Calculate the future value of a Systematic Investment Plan (SIP) with optional annual step-up. Shows total invested, returns, and projected corpus. 100% private.
100% private
This tool runs entirely in your browser. Your input never leaves your device — no uploads, no tracking, no accounts.
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About SIP Calculator
Calculate the future value of a Systematic Investment Plan (SIP) with optional annual step-up. Shows total invested, returns, and projected corpus. 100% private.
How to use
- Enter your input in the tool above.
- Adjust any options (indent, format, etc.) to your preference.
- Use the Copy or Download buttons to save the result.
- Everything happens locally — your data never leaves your browser.
Frequently asked questions
- What is a SIP?
- A Systematic Investment Plan is a way to invest a fixed amount in a mutual fund every month. Returns compound over time, growing your corpus significantly.
- How is SIP future value calculated?
- The standard formula is FV = P × [((1+r)^n − 1) / r] × (1+r), where P is the monthly investment, r is the monthly expected return rate, and n is the total months. Each installment is compounded for its remaining tenure.
- What is a step-up SIP?
- A step-up SIP increases your monthly contribution by a fixed percentage each year (typically 5–10%) — usually matching your salary hike. It accelerates corpus growth meaningfully over the long term.
- Are these returns guaranteed?
- No. The expected return rate is an assumption. Real mutual fund returns vary with the market. This tool gives you a projected corpus based on the rate you enter.