Finance tool
SIP Planner
The SIP Planner estimates what a monthly systematic investment plan could grow to. Enter your monthly amount, the tenure in years, and an expected annual return, and the tool projects the maturity value.
The projection runs locally in your browser, so your figures never leave your device.
Privacy & data handling
Browser processingThis tool processes your input locally in your browser. Nothing is uploaded to a server or sent to an external service.
Interactive tool
SIP Planner
FV = P × [((1 + r)^n − 1) / r] × (1 + r)
Where P = Monthly investment (₹10,000), r = Monthly interest rate (12% / 12 = 1.000%), and n = Total number of monthly contributions (120 months).
• Timing Assumption: Assumes investments occur at the beginning of each monthly cycle (annuity due), compounding interest continuously over the tenure.
• Non-Guaranteed Disclosure: Mutual fund investments are subject to market risks. Actual historical equity and debt returns fluctuate over time.
Overview
What does SIP Planner do?
Enter three numbers, one per line: the monthly investment, the tenure in years, and the expected annual return percentage. The tool applies the future value of an annuity formula with monthly compounding and returns the projected maturity value.
Defaults of 5,000 per month for 10 years at 12% kick in if you leave a field blank.
Under the hood
How does it work?
The tool compounds monthly: the monthly rate is the annual rate divided by 12, and the maturity value is calculated with the standard annuity formula, monthly amount times ((1 + monthly rate)^(months) − 1) divided by the monthly rate. Every installment grows for its remaining months.
Key features
Features of SIP Planner
Use cases
When should you use SIP Planner?
Long-term goals
See what a disciplined monthly habit could accumulate for a goal 10–20 years out.
Comparing return assumptions
Run the same SIP at 10% and 12% to understand how sensitive the outcome is.
Sizing your monthly amount
Work backwards from a target by trying different monthly figures.
Step-by-step
How to use SIP Planner
- Step 1
Enter your monthly investment amount.
- Step 2
Set the expected return rate and investment tenure.
- Step 3
View the projected corpus at maturity.
Real example
Example
Before (input)
10000 10 12
After (projection)
Monthly: Rs 10,000 Tenure: 10 years Maturity: Rs 2,300,387
10,000 per month for 10 years at 12% — the projection, not a guarantee.
Technical information
How the details work
Inputs are parsed as floats from the first three lines with defaults of 5,000, 10 years, and 12%. The formula assumes contributions at the end of each month and monthly compounding — the standard SIP approximation used by most planning tools.
Privacy & security
Your data stays yours
All calculations happen locally in your browser. Your figures are never uploaded or stored.
Local processing — files stay in your browser
- The projection runs on your device with no network requests.
- Nothing you enter is saved after the tab is closed.
- No account or data collection of any kind.
Limitations
What this tool does not do
- Returns are assumed constant — real markets fluctuate year to year.
- Fees, taxes, and fund expenses are not included.
- The maturity figure is a projection, not a promise or guarantee.
- Past performance does not indicate future results.
Frequently asked questions
Common questions about SIP Planner
Is the maturity value guaranteed?
No. It is a projection based on the return you entered. Actual returns depend on the market and can be higher or lower.
How is the interest compounded?
Monthly — the annual return is divided by 12 and applied each month, matching how SIPs are typically modeled.
What return should I assume?
Historically, equity funds have averaged around 10–12% over long periods, but that varies. Try a range of assumptions to see the spread.
Is my data private?
Yes. Everything runs in your browser and nothing is transmitted or stored.
Does it include the invested amount and gains separately?
It shows the total maturity value. The invested amount is your monthly amount times the number of months; the rest is the projected gain.
What formula is used for SIP maturity calculation?
The formula used is M = P * ((1 + i)^n - 1) / i * (1 + i), where P is monthly investment, i is monthly interest rate (annual return / 12 / 100), and n is total number of monthly payments.
What is rupee cost averaging in mutual fund SIPs?
Rupee cost averaging means you invest a fixed sum each month regardless of market movements — buying more units when prices are low and fewer units when prices are high, smoothing your average purchase cost over time.
Are returns from equity mutual funds guaranteed?
No. Equity mutual fund returns depend on stock market performance and economic conditions. Projections in this calculator are hypothetical estimates for goal planning.
How does inflation affect the real purchasing power of your SIP maturity corpus?
Inflation reduces future purchasing power. For example, at a 6% annual inflation rate, Rs 1,00,000 in 15 years will buy what Rs 41,700 buys today. Factor in inflation when setting your retirement or wealth targets.
What is the difference between a SIP and a lump sum investment?
A SIP spreads investments across monthly installments to mitigate market timing risk, whereas a lump sum invests the entire capital at once on a specific date.
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