Finance / India
SIP Calculator: Estimate in Rupees
Project a monthly SIP with optional annual step-ups and compare beginning- or end-of-month deposits.
SIP Calculator: Estimate in Rupees: Estimates invested contributions and future value using a constant annual return divided by 12. End-of-month deposits are the default; beginning-of-month deposits earn one additional month’s return. Annual step-ups increase monthly contributions after each completed year. Returns are estimates and exclude fees and tax. Runs 100% locally in your browser with zero server file uploads.
- Category
- Business & admin tools
- Runs
- In your browser
- Cost
- Free · no sign-up
- Availability
- Ready to use
Runs entirely in your browser
Results are estimates. Rates, payment dates, fees and taxes can change the actual amount.
The annual return is divided by 12 for monthly growth. A step-up increases each monthly deposit after every completed year. Investment returns vary and are not guaranteed.
End-of-period deposits start earning returns in the following month.
Investment value
Years 1 to 10Chart scale: ₹0 to ₹23,00,386.89
| Year | Deposits | Withdrawals | Interest / growth | Investment value |
|---|---|---|---|---|
| 1 | ₹1,20,000₹1.2 lakh | ₹0 | ₹6,825.03 | ₹1,26,825.03₹1.27 lakh |
| 2 | ₹1,20,000₹1.2 lakh | ₹0 | ₹22,909.62 | ₹2,69,734.65₹2.7 lakh |
| 3 | ₹1,20,000₹1.2 lakh | ₹0 | ₹41,034.14 | ₹4,30,768.78₹4.31 lakh |
| 4 | ₹1,20,000₹1.2 lakh | ₹0 | ₹61,457.29 | ₹6,12,226.08₹6.12 lakh |
| 5 | ₹1,20,000₹1.2 lakh | ₹0 | ₹84,470.62 | ₹8,16,696.7₹8.17 lakh |
| 6 | ₹1,20,000₹1.2 lakh | ₹0 | ₹1,10,402.61₹1.1 lakh | ₹10,47,099.31₹10.47 lakh |
| 7 | ₹1,20,000₹1.2 lakh | ₹0 | ₹1,39,623.43₹1.4 lakh | ₹13,06,722.74₹13.07 lakh |
| 8 | ₹1,20,000₹1.2 lakh | ₹0 | ₹1,72,550.18₹1.73 lakh | ₹15,99,272.93₹15.99 lakh |
| 9 | ₹1,20,000₹1.2 lakh | ₹0 | ₹2,09,652.87₹2.1 lakh | ₹19,28,925.79₹19.29 lakh |
| 10 | ₹1,20,000₹1.2 lakh | ₹0 | ₹2,51,461.1₹2.51 lakh | ₹23,00,386.89₹23 lakh |
Monthly annuity
OpenStax, Annuities: https://openstax.org/books/principles-finance-2e/pages/8-2-annuities
End-month SIP value = P × [(1+r)^n − 1]/r. Beginning-month value multiplies the contribution value by (1+r). At zero return, value is the sum of deposits.
Return assumptions
SEBI Investor, compound-interest planning calculator: https://investor.sebi.gov.in/calculators/Standard_Compound_Interest.html
A nominal annual assumption divided by 12 is used throughout. The chart and CSV show annual deposits, growth and closing value.
How to use it
- Enter amounts and choose the calculation options shown.
- Adjust the rate and duration to match your assumptions.
- Read the estimate, year-by-year chart and table, then download the CSV.
Privacy & limitations
Calculations and CSV exports run in your browser. Your financial inputs are not uploaded.
Related tools
Frequently asked questions
Which deposit timing is the default?
End of each month. You can select beginning of each month, which earns that month’s return.
How does a step-up SIP work?
A 10% step-up turns a ₹10,000 monthly SIP into ₹11,000 in year two and ₹12,100 in year three.
Is the return guaranteed?
No. This is a constant-return projection, not a market forecast. Actual returns and the timing of gains and losses will differ.
Free tool · runs in your browser · no account required