Invested amount

₹6,00,000

Future value

₹11,61,695

Est. gains

₹5,61,695

Year-by-year growth

YearInvestedValue
Year 1₹60,000₹64,047
Year 2₹1,20,000₹1,36,216
Year 3₹1,80,000₹2,17,538
Year 4₹2,40,000₹3,09,174
Year 5₹3,00,000₹4,12,432
Year 6₹3,60,000₹5,28,785
Year 7₹4,20,000₹6,59,895
Year 8₹4,80,000₹8,07,633
Year 9₹5,40,000₹9,74,108
Year 10₹6,00,000₹11,61,695
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Nothing is uploaded. Just open it and start.

A SIP & compound interest calculator that runs entirely in your browser

Project the maturity value of a monthly SIP or a lump-sum investment compounded at monthly, quarterly, half-yearly, or yearly intervals, and see a full year-by-year growth breakdown. No sign-up, and nothing ever uploaded to a server.

SIP or lump sum

Switch between a monthly SIP and a one-time lump-sum investment with the same calculator.

Instant projections

Invested amount, future value, and estimated gains update live as you adjust any input.

Year-by-year growth table

See exactly how your invested amount and value grow, year by year, to maturity.

100% private, 100% client-side

Every calculation happens in your browser. Your numbers never leave your device.

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Frequently asked questions

What is a SIP?
A Systematic Investment Plan (SIP) is a fixed amount you invest at regular intervals — typically monthly — into a mutual fund or similar instrument, rather than investing a lump sum all at once. It builds discipline and averages your purchase cost over time.
What formula does the SIP calculator use?
The future value of a monthly SIP is FV = P × [((1+i)ⁿ − 1) / i] × (1+i), where P is the monthly investment, i is the monthly rate of return (annual rate ÷ 12 ÷ 100), and n is the total number of months. When the return rate is 0%, this simplifies to just the sum of every monthly contribution.
What formula does the compound interest (lump-sum) calculator use?
The future value of a lump sum is A = P × (1 + r/(100k))^(k×t), where P is the principal, r is the annual interest rate, t is the number of years, and k is the compounding frequency per year — 1 for yearly, 2 for half-yearly, 4 for quarterly, or 12 for monthly. A higher compounding frequency at the same nominal rate produces a slightly larger future value.
Are the projected returns guaranteed?
No. Both calculators project a future value assuming a constant annual return you enter — they don't predict or guarantee actual market performance. Mutual fund and market-linked returns fluctuate and can be lower (or higher) than the rate you assume, and past performance is not a reliable guide to future results.
Can I use this with any currency?
Yes. Toggle between ₹ (Indian numbering, e.g. 12,34,567) and $ (international numbering, e.g. 1,234,567) — the calculator only formats the numbers you enter, so any currency works as long as you keep the amounts consistent.
Is my investment data stored or uploaded anywhere?
No. Every calculation runs locally in your browser, and your inputs are autosaved only to this browser's local storage for convenience — nothing is ever sent to a server.
Is the SIP calculator really free?
Yes — nothing to pay, nothing to register for, no watermark, and the full year-by-year growth table is included, not gated behind an email capture. The only revenue here is one modest ad slot on the page.
Do I need to create an account?
No. There's no account system at all. Open the page, pick SIP or lump sum, and start typing.