Estimate what a monthly SIP could grow to over time, and how much of that is your own money versus returns. Uses start-of-month contributions, matching how Indian SIPs actually work.
Runs in your browser — nothing is uploaded
Raise your instalment each year as your income grows
Estimated value
₹11,61,695
after 10 years
You invest
₹6,00,000
Estimated gains
₹5,61,695
The maths is exact; the return is an assumption. Real markets vary year to year, so run this at a few rates — 8%, 10%, 12% — and treat the spread as the honest picture.
Separates what you put in from what growth added, which is the useful comparison.
Models contributions at the start of each month, as real SIPs are debited.
Everything runs in your browser, so your input never reaches a server.
No account, no usage cap, and no feature held back behind a paywall.
Enter what you can invest each month.
Set an expected annual return.
Choose how many years you will keep going.
A SIP instalment is debited at the start of the month, so it earns growth for that whole month. In financial terms this is an annuity-due, and the formula is FV = P × ((1+i)ⁿ − 1) ÷ i × (1+i).
Calculators that use the end-of-month form drop that final (1+i) and understate the result every time — by a small amount monthly, but a meaningful one over twenty years. This tool uses the annuity-due form.
The maths is exact; the input is not. Real market returns vary year to year, and a constant-rate projection will never match reality precisely. Its value is in comparing scenarios, not predicting a number.
Run it at a few rates — say 8%, 10% and 12% — to see the range. The gap between them is the honest picture of your uncertainty.
Available tools are linked; the rest are in development.
We build internal tools, dashboards and automation that fit how your team works.