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₹ Corpus

SIP Calculator

100% Free

Calculate the future value of your monthly SIP investments and see how your money grows over time.

Power of Compounding
Instant
Client-Side
Accurate FV Formula

60 Thousand per year

SIP Projection

Total Corpus
₹ 11,61,695
11 Lakh 61 Thousand
Invested 52%Gains 48%
Amount Invested₹ 6,00,000
Wealth Gained₹ 5,61,695
Total Value₹ 11,61,695
📈 Returns Insight

Your money grows 1.9× over 10 years — an absolute return of 93.62%.

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<iframe
  src="https://tools.town/embed/sip-calculator/"
  width="100%"
  height="600"
  style="border:none; border-radius:12px;"
  loading="lazy"
  title="SIP Calculator">
</iframe>

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How to Use

  1. 1 Enter your monthly SIP amount
  2. 2 Set the expected annual return rate using the presets (6%–18%) or type your own
  3. 3 Choose your investment duration using the slider or year presets (1y–30y)
  4. 4 See your total invested amount, wealth gained, and final corpus instantly
  5. 5 The multiplier shows how many times your investment grows

Features

  • FV formula: P × [(1+r)^n − 1] / r × (1+r) for precise SIP maturity value
  • Handles 0% return (simple accumulation) correctly
  • Return presets for typical equity (12%, 15%) and debt (6%, 8%) funds
  • Year presets from 1y to 30y — suitable for short and long-term planning
  • Visual invested vs gains bar chart
  • Absolute return % and growth multiplier shown alongside corpus

Why it Matters

A SIP calculator helps you see the power of compounding over time. Investing ₹5,000/month at 12% for 20 years grows to over ₹50 lakh — far more than the ₹12 lakh you put in. Seeing this in real time motivates consistent investing and helps you plan for retirement, education, or any financial goal.

★★★★★

Use Cases

Retirement Planning

Calculate how much to invest monthly to build your retirement corpus

Home Down Payment

Plan a SIP to accumulate your house down payment in 5–7 years

Child's Education

Model education fund growth over a 15–18 year investment horizon

Wealth Building

Compare different monthly amounts and returns to maximise long-term wealth

Frequently Asked Questions

What is the SIP return formula?
FV = P × [(1+r)^n − 1] / r × (1+r), where P is monthly investment, r is monthly rate (annual ÷ 12 ÷ 100), and n is total months.
Is 12% annual return realistic for SIPs?
India's large-cap equity mutual funds have delivered 12–15% CAGR over 10+ year periods historically. Past returns do not guarantee future performance. Debt funds typically return 6–8%.
Does this account for taxes?
No. The calculator shows pre-tax corpus. Equity LTCG is taxed at 10% on gains above ₹1 lakh.
Can I use this for PPF or RD?
Yes — both use the same FV formula. Enter PPF rate (currently 7.1%) and duration to model PPF maturity.

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