SIP Calculator

How to use SIP Calculator

1. Open SIP Calculator in your browser — it loads instantly and works offline once cached.
2. Enter your values in the input fields. Every field is labelled so you know exactly what to type.
3. The result updates automatically as you type — there is no "submit" round-trip to a server.
4. Adjust any input to compare scenarios and see how the outcome changes in real time.
5. Copy or note the result. Nothing you enter is stored or sent anywhere.

Why use SIP Calculator?

• 100% free with no limits, no sign-up and no watermarks.
• Private by design — your data are processed in your browser and never uploaded to a server.
• Fast and lightweight, with instant results even on a phone or a slow connection.
• Works everywhere — any modern browser on Windows, macOS, Linux, Android or iOS.
• Part of a full financial calculators suite, so related sip tasks are one click away.

What people use SIP Calculator for

• Projecting the value of a monthly systematic investment plan.
• Working out the monthly amount needed to reach a goal.
• Comparing SIP outcomes across different assumed returns.

SIP Calculator: limits and things worth knowing

• The SIP future value formula is FV = P × [((1+i)^n − 1) / i] × (1+i), where i is the monthly rate. ₹10,000 a month for 15 years at 12% projects to about ₹50 lakh on ₹18 lakh invested.
• Investing monthly averages your purchase price across market conditions, which reduces the risk of committing everything at a peak. It does not guarantee a gain.
• The assumed annual return is a assumption, not a rate a fund offers. Equity funds vary widely year to year and past performance does not carry forward.
• Expense ratios, exit loads and capital gains tax all reduce the realised figure and none is included here.

Is it private and secure?

Your privacy is built in. SIP Calculator runs completely on your device, so whatever you enter stays in your browser and is never transmitted, logged or stored on any server.

Network activity: none. Nothing is sent and nothing is fetched. This tool makes no network request at all once the page has loaded — which is why it keeps working if your connection drops.

You do not have to take that on trust — our privacy proof page publishes the Content-Security-Policy that enforces it, lists every third party it permits, and shows how to verify the whole claim yourself.

Learn more

Why Browser-Based Tools Are Safer for Your Files — Most online converters upload your files to a server. Client-side tools don't. Here's why that difference matters for privacy.