Project a systematic investment plan maturity.
Tip: use samples, upload, copy, download, and send-to actions inside the workspace where available.
SIP Calculator is a free, browser-based tool that helps you get the job done quickly. Project a systematic investment plan maturity. It's built for speed and privacy: Everything runs locally in your browser — your data is never uploaded to a server. No sign-up, no installs, and no daily limits.
Use this tool as the focused step in a larger browser-based workflow.
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Attendance Calculator: Attendance percentage plus how many classes you can skip.
Open toolTotal growth over total money put in.
The annual rate that reconciles every dated cashflow.
How much of the pot you never had to save yourself.
| Year | Monthly | Invested this year | Cumulative invested | Growth this year | Closing balance | In today’s money |
|---|---|---|---|---|---|---|
| 1 | ₹5,000 | ₹60,000 | ₹60,000 | ₹4,047 | ₹64,047 | ₹60,421 |
| 2 | ₹5,000 | ₹60,000 | ₹1,20,000 | ₹12,169 | ₹1,36,216 | ₹1,21,232 |
| 3 | ₹5,000 | ₹60,000 | ₹1,80,000 | ₹21,322 | ₹2,17,538 | ₹1,82,649 |
| 4 | ₹5,000 | ₹60,000 | ₹2,40,000 | ₹31,636 | ₹3,09,174 | ₹2,44,895 |
| 5 | ₹5,000 | ₹60,000 | ₹3,00,000 | ₹43,258 | ₹4,12,432 | ₹3,08,193 |
| 6 | ₹5,000 | ₹60,000 | ₹3,60,000 | ₹56,353 | ₹5,28,785 | ₹3,72,773 |
| 7 | ₹5,000 | ₹60,000 | ₹4,20,000 | ₹71,110 | ₹6,59,895 | ₹4,38,868 |
| 8 | ₹5,000 | ₹60,000 | ₹4,80,000 | ₹87,738 | ₹8,07,633 | ₹5,06,719 |
| 9 | ₹5,000 | ₹60,000 | ₹5,40,000 | ₹1,06,475 | ₹9,74,108 | ₹5,76,573 |
| 10 | ₹5,000 | ₹60,000 | ₹6,00,000 | ₹1,27,588 | ₹11,61,695 | ₹6,48,685 |
The return is an assumption, not a rate. A SIP buys units at whatever the market charges each month, so the realised return depends entirely on the sequence of prices. A steady 12.00% is a planning convenience — real returns arrive lumpy, and a bad final few years hurts far more than a bad first few.
Rupee-cost averaging is a side effect, not a strategy. Fixed monthly amounts buy more units when prices fall, which lowers your average cost relative to lump-sum investing at the peak — but historically, lump-sum wins more often than not simply because money is in the market longer.
Nothing here is deducted. Expense ratios, exit loads and capital-gains tax all reduce the final figure. A 1% expense ratio over 25 years typically costs more than a fifth of the growth shown above.
