Estimated value
₹0
Amount invested
₹0
Estimated gain
₹0
Illustration only. Markets are not guaranteed.
| Year | Invested | Estimated value |
|---|
Finance Calculators
SIP & Compound Interest Calculator
Estimate the future value of a monthly SIP or a compound-growth plan, with invested amount and gain. Free, fast, and built for a clean browser workflow.
Related tools
Try these next
Finance Calculators
Mortgage/EMI Calculator
Estimate monthly EMI, total interest, processing fee, and total repayment in your chosen currency.
Finance Calculators
Percentage Calculator
Calculate a percentage of a number, find what percent a value is of another, and work out percentage increase or decrease.
Finance Calculators
GST Calculator
Add or remove GST from an amount and split the tax into CGST + SGST or IGST.
Finance Calculators
Currency Converter
Convert currencies with live exchange rates and manual override support for private browser-based calculations.
About this tool
This SIP calculator estimates how a fixed monthly investment can grow if it compounds at a constant annual rate. The formula assumes each installment is invested at the start of the month.
It also shows the total you would contribute and the estimated gain, plus a yearly snapshot so the compounding curve is visible.
Results are illustrations, not a prediction of mutual fund or market returns. Nothing you type is uploaded.
Tips for better results
- Monthly rate is the annual percent divided by 12. A 12% annual expectation is 1% per month in this model.
- Future value uses the standard annuity formula: payment × (((1 + r)^n − 1) / r) × (1 + r).
- Real returns vary. Re-run the calculator with a lower rate to see a more cautious outcome.
- This page ignores expense ratios, taxes, and missed installments. Subtract those when you compare a real scheme.
How to use
- 1 Enter the monthly investment, expected annual return, and number of years.
- 2 Read the estimated value, amount invested, and wealth gained.
- 3 Scan the year-by-year table to see how the balance grows.
FAQ
What formula does it use?
A monthly SIP compounded at the start of each month: FV = P × (((1 + r)^n − 1) / r) × (1 + r), where r is the monthly rate and n is the number of months.
Can I use it for a lump sum?
Yes. Switch the investment type dropdown to Lump Sum (One-time) to model a single contribution compounding annually over your chosen tenure.
Are returns guaranteed?
No. The rate you enter is an assumption. Markets, funds, and fixed deposits can differ.
Is my data stored?
No. The estimate is calculated in your browser.
What tenure can I enter?
From 1 to 50 years.
Does it include tax?
No. The gain is a pre-tax illustration.