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Page Utils

SIP Calculator

A SIP calculator estimates the future value of equal monthly deposits from the instalment you type, the years you choose, and an expected annual rate you enter. It treats SIP as a payment schedule — not a mutual-fund product — and compounds locally in your browser so you can audit the arithmetic. Education only: not SEBI advice, not a live NAV, and not a fund-house illustration.

How the formula works in plain words: convert the annual percent you typed into a monthly rate (annual ÷ 100 ÷ 12). Months equal years × 12. When the monthly rate is greater than zero, corpus = monthly amount × (((1 + monthly rate)^months − 1) ÷ monthly rate) × (1 + monthly rate) — the beginning-of-period / annuity-due educational form. When the rate is zero, corpus equals monthly amount × months. Total invested is monthly × months; estimated gains are corpus minus total invested.

Dated caveat (11 September 2026): the expected rate on this page is always user-typed. Page Utils does not scrape live mutual-fund NAVs, AMFI tables, or distributor quotes, and it will not notice when markets move. Pick a percent only as a sensitivity assumption for the schedule math — not as a forecast. Page Utils is not SEBI-registered. This tool explains how a systematic investment schedule compounds under a constant rate you supply; it does not recommend securities, name funds to buy, or promise returns. Confirm any real product with its offer documents and a registered intermediary.

SIP future-value check

Equal instalment each month. Allow ₹100–₹10,00,000.

User-entered expected percent — not a live NAV or fund quote. Example default 12.

Default 10. Allow 1–40.

Educational SIP model: equal monthly deposits at a rate you type. Monthly rate = annual ÷ 12; months = years × 12. Future value uses the beginning-of-period (annuity-due) form when the rate is positive; when the rate is zero, corpus equals total invested. SIP here means a payment schedule, not a fund product. This page does not scrape live NAVs, name fund houses as advice, or promise returns. Not SEBI advice — confirm any real product with its offer documents and a registered intermediary.

Estimated corpus

₹11,61,695.38

Total invested

₹6,00,000.00

Estimated gains

₹5,61,695.38

Rate is user-entered (12% p.a.), not a live market figure. Estimated gains = corpus − total invested under this simplified schedule. Real mutual-fund SIPs vary with NAVs, expense ratios, exit loads, and taxes — this widget does not model those. Output is a local educational check, not advice and not a return promise.

How does the SIP Calculator work?

  1. 1. Enter the monthly investment in rupees

    Type the equal instalment you want to model each month. The example loads ₹5,000. Allowed range for this check is ₹100 to ₹10,00,000. Nothing is uploaded.

  2. 2. Type an expected annual rate yourself

    The percent is user-entered, not scraped. Use it only as a what-if assumption for the schedule. This page never pulls live NAVs or names a fund as advice.

  3. 3. Choose how many years to project

    Default is 10 years. You can set 1–40 whole years. Longer projections still use the same constant-rate monthly model.

  4. 4. Read corpus, invested total, and estimated gains

    Corpus is the educational future value. Total invested is monthly × months. Estimated gains are corpus minus total invested. Copy the result if you want a local note — then confirm any real product elsewhere.

Questions about SIP Calculator

What is a SIP on this page — a product or a schedule?
A schedule. SIP here means systematic instalment cadence: the same rupee amount deposited on a regular monthly rhythm. It is not a named mutual-fund scheme, not a fund-house product pick, and not advice to buy units. The calculator only compounds the numbers you type.
Does this SIP calculator use live mutual-fund NAVs?
No. There is no live NAV feed, no AMFI scrape, and no distributor quote. The expected annual rate is a figure you type for education. Markets move; this page will not notice. Treat the corpus as schedule arithmetic under a constant assumption, not as a forecast of any fund.
Is this SEBI advice or a recommendation to buy a fund?
No. Page Utils is education-only on money pages and is not SEBI-registered. The SIP calculator explains how equal monthly deposits compound under a rate you supply. It does not recommend securities, rank mutual funds, promise returns, or tell you which fund to buy.
How does the SIP future-value formula work?
Monthly rate r = (annual percent ÷ 100) ÷ 12. Months n = years × 12. When r > 0, future value = P × (((1+r)^n − 1) / r) × (1+r), the beginning-of-period educational form. When r = 0, future value = P × n. Total invested = P × n; estimated gains = future value − total invested. Amounts are formatted in Indian rupees (en-IN).
Do the numbers I type leave the browser?
No. The calculator runs in your browser. Closing the tab drops monthly investment, years, and rate. We do not write them to localStorage and we do not upload them to Page Utils. Hosting logs may show that you opened this URL; they do not contain the rupee amounts from the form.
How is this different from the PPF and FD tools on this hub?
Post Office FD and LIC FD estimate deposit maturity from a lump-sum principal, a rate you type, and tenure. PPF uses an annual-deposit educational model with a year-by-year table. SIP models equal monthly deposits (a payment schedule) at a user-entered expected rate. They are not interchangeable products and do not rank lock-in, tax treatment, or returns across schemes.
Why can the corpus disagree with a fund-house SIP illustration?
Fund illustrations may use different compounding conventions, step-ups, expense ratios, exit loads, or actual NAV paths. This page uses a transparent constant-rate annuity-due educational model with no fees. If the number here disagrees with an official illustration, trust the issuer’s document for that product — and remember this page is not modelling that product.
Where can I learn more after using the calculator?
Use the education links on this page for AMFI, SEBI investor education, and National Savings public sites. Partner links, when configured via environment variables, are labelled as partner links; otherwise you get public pages with no tracking ID from us. Opening or buying any real investment still happens with a registered intermediary or issuer — not inside this calculator.

What else can I open?

These tools run in your browser. Page Utils does not store, upload, or write to localStorage the keys, tokens, or text you paste. Results are a convenience aid, not legal, tax, or security advice.