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SIP & Compound Interest Calculator

See how investments grow over time

Calculate SIP returns, lump-sum compound growth and step-up SIPs, with a year-by-year table and chart.

How to use SIP & Compound Interest Calculator

  1. Choose Monthly SIP or Lump sum.
  2. Enter the amount, expected yearly return and number of years.
  3. For a SIP, optionally add a yearly step-up and choose whether you invest at the start or end of each month; for a lump sum, choose how often interest compounds.
  4. Read the total value, invested amount and returns, and the year-by-year table.

How it works

A SIP is simulated month by month: the yearly return is divided by 12, each instalment is added at the start (or end) of the month and the balance grows by that monthly rate. A step-up raises the instalment after every 12 payments. A lump sum uses the compound interest formula P × (1 + r/n)^(n × years). Inflation divides the final value by (1 + inflation)^years.

Limits

  • Assumes the same return every year; real returns vary and can be negative.
  • Ignores taxes, fees, exit loads and expense ratios.
  • Years must be a whole number from 1 to 100.

Privacy

All calculations run in your browser. Nothing you enter is stored or sent anywhere.

Frequently asked questions

Why does investing at the start of the month give a higher value?

Each instalment then earns one extra month of returns. Most SIP calculators use the start-of-month convention; switch to "End of each month" to compare.

What is a step-up SIP?

You increase your monthly instalment by a fixed percentage every year, for example 10% as your income grows.

Is this financial advice?

No. It is an estimate based on a constant return you choose. Actual returns, taxes and fees will change the result.

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