SIP Calculator: project your mutual fund returns
See what a monthly SIP or a lumpsum investment becomes over time. Add a yearly step-up, compare ordinary and annuity-due timing, and read the full year-by-year growth table. Everything runs in your browser, and nothing leaves your device. No upload, no sign-up, no tracking.
- Monthly SIP and lumpsum
- Yearly step-up option
- Six currencies
- Year-by-year table
Total invested
₹600,000
Estimated gains
₹550,193
91.7% on invested amount
Future value
₹1,150,193
₹11.50 L
| Year | Invested | Value | Gains |
|---|---|---|---|
| 1 | ₹60,000 | ₹63,413 | ₹3,413 |
| 2 | ₹120,000 | ₹134,867 | ₹14,867 |
| 3 | ₹180,000 | ₹215,384 | ₹35,384 |
| 4 | ₹240,000 | ₹306,113 | ₹66,113 |
| 5 | ₹300,000 | ₹408,348 | ₹108,348 |
| 6 | ₹360,000 | ₹523,550 | ₹163,550 |
| 7 | ₹420,000 | ₹653,361 | ₹233,361 |
| 8 | ₹480,000 | ₹799,636 | ₹319,636 |
| 9 | ₹540,000 | ₹964,463 | ₹424,463 |
| 10 | ₹600,000 | ₹1,150,193 | ₹550,193 |
How the formula works
SIP future value uses the ordinary annuity formula when contributions are at the end of each month:
FV = P * ((1 + i)^n - 1) / i
With contributions at the start of the month (annuity due), the same result is multiplied by (1 + i). Here i is the monthly rate (annual rate / 12 / 100) and n is the number of months.
Lumpsum uses compound interest:
FV = P * (1 + r)^t
Step-up SIP grows the monthly contribution by a fixed percentage every year before the next year's annuity is computed. This makes the final value higher than a fixed SIP with the same starting contribution.
The values shown are illustrations based on a constant assumed annual rate. Real mutual funds and market linked returns vary year to year and can be negative. Fees, taxes and exit loads are not included. This is not financial advice.
- Runs in your browser
- No upload
- No sign-up
- Six currencies
- Step-up support
- Works offline
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How this compares to other SIP calculators
Many SIP calculators push you toward a mutual fund sign-up. This one is a page with math on it. No account, no email, no ads on the result.
| Feature | TToolDeck | Fund house tools | Typical online tools |
|---|---|---|---|
| Runs entirely in your browser | Yes | Partial | No |
| No sign-up or account | Yes | Yes | No |
| No ads on the result | Yes | Partial | No |
| Monthly SIP support | Yes | Yes | Yes |
| Lumpsum mode | Yes | Yes | Partial |
| Yearly step-up SIP | Yes | Partial | No |
| Annuity due (start of month) | Yes | Partial | No |
| Full year-by-year table | Yes | Yes | Partial |
| Multiple currencies | Yes | No | No |
| Free without paywalls | Yes | Yes | Partial |
Comparison reflects publicly available information at the time of writing. Features may change.
How it works
- 1
Pick SIP or lumpsum
Choose Monthly SIP for recurring contributions or Lumpsum for a single deposit. The inputs change to match the mode.
- 2
Adjust the inputs
Set the amount, the expected annual return and the duration in years. If you use SIP, optionally add a yearly step-up percentage.
- 3
Read or copy the result
The three summary cards show invested, gains and future value. The table below shows the year-by-year growth. Copy a summary or the table with one click.
Everything you get for free
Monthly SIP and lumpsum
Two modes in one tool. Pick Monthly SIP for recurring investments or Lumpsum for a one-time amount. Both use the standard compound interest math.
Yearly step-up option
Increase your monthly contribution by a fixed percentage every year. A 10 percent step-up is a common way to keep pace with salary growth.
Annuity due support
Choose whether each monthly contribution happens at the end of the month (ordinary annuity) or at the start (annuity due). The difference is one month of growth per year.
Six currency presets
INR, PKR, USD, EUR, GBP and AED. The symbol and the lakh/crore compact format adapt to your choice, so amounts read naturally.
Year by year table
See exactly how the corpus grows year after year with three columns: cumulative invested, projected value, and unrealised gains. Easy to reason about.
Summary cards
Total invested, estimated gains and future value at the top, each in its own card with the gains shown as a percentage of what you put in.
Copy summary or TSV
Copy a plain text summary in one click, or copy the whole year table as tab-separated values for pasting into a spreadsheet.
Nothing leaves your device
All the math runs locally. There is no server, no API, no analytics on your amounts. Enter any numbers you like and refresh to clear everything.
What people use it for
Plan a monthly SIP
See what a 5,000 or 10,000 monthly contribution turns into over 10, 20 or 30 years at various expected returns.
Compare step-up vs fixed
Compare a fixed monthly SIP to one that grows 10 percent a year. The gap over 20 years is usually much larger than people expect.
Plan for a goal
Work backwards from a target amount. Adjust duration or monthly amount until the future value matches what you need.
Estimate lumpsum growth
Check what a one-time investment will grow to after a given number of years at an assumed rate. Useful for bonus or inheritance planning.
Compare investments
Run the same amount through two different rates to see how a 1 or 2 percent difference compounds over a decade.
Teach compounding
The year-by-year table shows how gains grow faster than the contributions at the end, which is the intuition behind long-term compounding.
Questions people ask
What is a SIP?
SIP stands for Systematic Investment Plan. Instead of investing a lump sum once, you invest a fixed amount at regular intervals, usually monthly, into a mutual fund or other investment. SIPs average the cost of your investment over time and match the way most people earn money, which is monthly.
How does the calculator work?
For a SIP, the future value uses the ordinary annuity formula: FV = P * ((1 + i)^n - 1) / i, where P is the monthly amount, i is the monthly rate (annual rate divided by 12 and by 100) and n is the number of months. If contributions are at the start of each month, the result is multiplied by (1 + i). For a lumpsum, FV = P * (1 + r)^t, where r is the annual rate and t is the number of years.
What is a step-up SIP?
A step-up SIP increases the monthly contribution by a fixed percentage every year. If your salary grows by about 8 to 10 percent a year, a step-up SIP keeps the investment proportional to your income instead of letting it fall behind.
What is the difference between ordinary annuity and annuity due?
Ordinary annuity assumes each contribution happens at the end of the month. Annuity due assumes it happens at the start. The annuity due result is slightly higher because every contribution earns one extra month of growth. Most fund houses and tools use the ordinary annuity convention, but annuity due is closer to reality if you invest on the 1st of each month.
Why does my result differ from my fund app?
Small differences come from the convention chosen for the timing of contributions, from rounding in the monthly rate, and from whether the app assumes a constant return or a path of actual yearly returns. For a 10-year SIP the difference is usually under one percent.
What return rate should I use?
Use a conservative assumption. Equity mutual funds have historically returned somewhere between 8 and 14 percent a year over long periods, but that is not guaranteed and returns vary widely year to year. A conservative number like 10 or 12 percent keeps the projection honest.
Does this account for inflation?
No. The future value shown is nominal. To see the real value in today’s money, take the future value and divide it by the cumulative inflation factor over the same period. Use the Inflation Calculator on this site to get that factor.
Does the calculator include fees or taxes?
No. Expense ratios, entry loads, exit loads, capital gains tax and TDS are all ignored. Real returns are lower than the numbers shown because of these costs. If your fund has a 1 percent expense ratio and the gross return is 12 percent, use 11 percent as the net expected rate.
Can I use it for a recurring deposit or PPF?
Yes, if you know the effective annual rate. Recurring deposits and most small savings schemes pay interest monthly or quarterly, and you can approximate the effective annual rate and use it here. The tool is a compound interest calculator at heart, not specific to mutual funds.
What about taxes on SIP returns?
In India, for example, equity funds held over a year are taxed as long-term capital gains and short-term holdings are taxed at a higher rate. Rules vary by country and change over time. The tool does not model tax, so subtract your own estimate from the gains if you want an after-tax view.
Does it handle SWP (Systematic Withdrawal Plan)?
Not currently. This calculator only models contributions growing forward. A withdrawal plan is a different formula, and adding it is on the roadmap but not in this version.
Does it handle negative returns?
The rate slider only goes from 1 to 30 percent. If you want to model a loss year, subtract that amount from the final figure manually. The formula itself works with negative rates, but the slider is intentionally limited to positive values because a negative long-term assumption is unusual for mutual fund planning.
Does it work offline?
Yes. All the math is in JavaScript bundled into the page. There is no network call after the initial page load. You can use the tool with no internet connection.
Is my input data stored?
No. There is no server, no local storage and no analytics on this tool. Refreshing the page resets everything to the defaults. Nothing you type leaves your browser.
Is this financial advice?
No. This is an educational calculator. It shows arithmetic based on the numbers you enter. It does not know your goals, your risk tolerance, your tax situation or your country’s rules. Consult a licensed financial adviser before making investment decisions.
Can I use the numbers in a report?
Yes. The results are yours. If you publish them, mention the assumed return rate and duration alongside, since both materially affect the outcome.
Nothing leaves your device
There is no upload step and no server-side handling. All the math runs in JavaScript on your device. Your amounts, rates and years never leave the tab, and refreshing the page clears everything. Open the browser network tab while using the tool and confirm there are no outbound requests after the initial page load. Read how we keep it private.