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SIP Calculator
Estimate future value, total invested amount and gains from monthly SIP investing.
● Calculated privately in your browser
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Methodology & Logic
How the SIP Calculator works
Estimate future value, total invested amount and gains from monthly SIP investing. Below is the exact mathematical or algorithmic model used by this investment utility, along with its key operating assumptions.
Core Formula / Logic
Future value = monthly investment × ((1 + monthly return)ⁿ − 1) ÷ monthly return.Step-by-step workflow
- Set your starting capital, rate, or tenure in the SIP Calculator controls (or pick a quick INR benchmark preset).
- The calculation engine applies Future value = monthly investment × ((1 + monthly return)ⁿ − 1) ÷ monthly return. on every change and separates principal from compounded gains or interest.
- Inspect the visual chart breakdown and adjust sliders to stress-test lower returns, higher inflation, or extra prepayments.
Practical Walkthrough
Worked example & key advantages
Example Scenario
A ₹10,000 monthly SIP for 10 years at 12% annual return estimates a future value of about ₹23 lakh before taxes and costs.
Why use this SIP tool
- Transparent compounding and amortization math (SIP) with Indian Lakh and Crore formatting.
- Side-by-side visual charts showing how tenure, rate resets, or step-ups change lifetime wealth.
- 100% browser-local execution—your loan, investment, and tax figures are never uploaded or stored on a server.
Important Assumptions & Scope
- The same amount is invested at the end of every month.
- The expected return is constant and compounded monthly for planning only.
- Market returns are not guaranteed.
- Taxes, exit loads and expense ratios are not included.
Common Questions
Frequently Asked Questions — SIP
Clear answers to common questions about methodology, edge cases, and privacy.
Is SIP return guaranteed?
No. SIPs in market-linked investments can rise or fall. The return field is only a planning assumption.
Does this include mutual fund tax?
No. It shows a pre-tax estimate to keep the calculation simple and transparent.
Are my investment values stored?
No. The calculation runs locally in your browser.