Toolzed

SIP Calculator

Free SIP calculator: estimate your mutual fund SIP maturity value with yearly breakdown and growth chart. Step-up option, instant results, private.

Runs 100% on your device - nothing you enter or upload leaves your browser.

How to use the SIP calculator

Enter your monthly investment, period, and expected annual return. The maturity value, total invested, estimated gains, year-by-year table and a growth chart update instantly. Use the step-up field to model increasing your SIP as your income grows.

Understanding the numbers

Privacy

Your numbers never leave this page. Everything is calculated on your device.

Frequently asked questions

How is SIP maturity calculated?
Each instalment is treated as invested at the start of the month and compounds at the expected monthly rate (annual rate ÷ 12) for the months it stays invested; the results sum all instalments. With a step-up, the monthly amount rises by the chosen percentage every 12 months. Real returns vary; this is an estimate, not a prediction.
Is the expected return guaranteed?
No. Mutual fund returns vary with markets. 12% is a commonly used illustration rate for equity funds, not a promise. Try lower rates like 8-10% for a conservative view.
Is my financial data stored?
No. All calculations run in your browser. Nothing is saved or sent.

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