SIP calculator
Project the future value of a monthly SIP with optional annual step-up, and compare it against a lumpsum investment.
SIP vs lumpsum
Investing the same ₹1,200,000 as a single lumpsum today would grow to ₹3,727,018 — more than the SIP, because a lumpsum compounds for the full term while SIP instalments each compound for less time.
Assumes a constant annual return and contributions at the start of each month. Real returns vary.
How to use
SIP calculator lets you project the future value of a monthly SIP with optional annual step-up, and compare it against a lumpsum investment. Enter your numbers in the fields and the result updates instantly as you type — no button to press.
It uses standard formulas and shows the result immediately; you can copy any value with one click. It's completely free, with no sign-up, no watermarks and no limits on how often you use it.
Examples
Change any input and every figure recalculates live, so you can compare scenarios in seconds.
Once sIP calculator shows your output, use the copy or download button to grab it — no retyping.
Frequently asked questions
Is SIP calculator free to use?
Yes. SIP calculator is completely free with no sign-up, no watermarks and no usage limits.
Is my data private?
Yes. It uses standard formulas and shows the result immediately; you can copy any value with one click.
Does SIP calculator work on mobile?
Yes. It works in any modern browser on desktop, tablet or phone, and keeps working offline once the page has loaded.
Related tools
A fast keyboard-friendly calculator with a running history tape you can reuse.
Trig, logs, powers, roots and factorials with degree/radian modes and a history tape.
Work out X% of Y, what percent one number is of another, and percentage change.
Calculate a tip and split the bill (and the tip) evenly across any number of people.
Add, subtract, multiply and divide fractions with simplified, mixed and decimal results.
Raise any base to any power, including negative and fractional exponents.