SIP Calculator

Rate Source

Disclaimer: Auto rates are historical CAGR for the selected asset and period. Markets are volatile; past returns don’t guarantee future results.

Enter values and hit Calculate or pick a Rate Source to auto-fill return.
G-SIP LUMP EMI

✅ Do's and ❌ Don'ts

✅ Do's

  • ✅ Do use this tool to save time on manual calculations.
  • ✅ Do double-check your inputs for accuracy.
  • ✅ Do share results with teammates using the Share feature.
  • ✅ Do bookmark this tool for quick access.

❌ Don'ts

  • ❌ Don't enter sensitive personal data — this tool doesn't store anything.
  • ❌ Don't use results as professional financial/legal/medical advice.
  • ❌ Don't forget to verify critical calculations with official tools.
  • ❌ Don't assume results are guarantees — they are estimates.

Frequently Asked Questions

Is this tool free to use?

Yes. All UpTools calculators are completely free, with no sign-ups required.

Is my data private?

Yes. All calculations run locally in your browser. Nothing is uploaded to any server.

Does it work on mobile?

Yes. All tools are mobile-responsive and work on any device — phone, tablet, or desktop.

Can I use this offline?

Most tools work offline after the initial page load. No internet needed for calculations.

📐 How This Tool Works

This tool computes results entirely in your browser using JavaScript. No data is sent to any server, ensuring your privacy.

Results update instantly as you type — no waiting for server responses.

Also try: Calculator · Converter · Generator

How this SIP calculator works

SIP future value is computed as FV = P � [((1 + r)^n - 1) / r] � (1 + r), where P is monthly investment, r is monthly return (annual/12/100), and n is total months. Step-up (if any) increases P at the chosen rate each year.

Example

?5,000/month for 10 years at 12% p.a. ? r = 0.12/12. FV � ?11.6 lakh.

You can pull historical CAGR from indices or mutual funds to prefill the expected return.

Related tools: FD Calculator � EMI Calculator � Currency Converter