—
Total Value
Invested
Returns
Invested
—
Returns
—
Free · No Signup · Instant Results
SIP Calculator — Plan Your Wealth Growth Instantly
India's most intuitive SIP & FD calculator — interactive charts, step-up SIP, inflation adjustment, goal planning and side-by-side comparison. Trusted by 50,000+ investors on sipcalculators.net.
Wealth Growth Timeline
Total Value
—
Total Invested
—
Wealth Gain
—
What is a SIP Calculator?
A Systematic Investment Plan (SIP) calculator helps you estimate the future value of your mutual fund investments. By entering your monthly investment amount, expected annual return rate, and investment duration, this tool instantly computes your total invested amount, estimated returns, and the maturity value — visualized with interactive growth charts.
SIP Calculation Formula
FV = P × [(1 + r)^n – 1] / r × (1 + r)
Where FV = Future Value, P = Monthly investment, r = Monthly rate of return (annual rate ÷ 12), n = Total number of months.
Benefits of Using a SIP Calculator
- Plan investments with accurate future value projections
- Understand the power of compounding over long periods
- Compare different SIP amounts and durations instantly
- Set realistic financial goals based on data, not guesswork
- Factor in step-up SIP and inflation for real-world planning
What is Step-Up SIP?
A step-up SIP (also called a top-up SIP) automatically increases your monthly investment by a fixed percentage every year. This mirrors real-life salary growth and dramatically accelerates wealth creation. For instance, a 10% annual step-up on ₹10,000/month can nearly double your corpus compared to a regular SIP over 20 years.
Compounding Frequency
—
Maturity
Principal
Interest
Principal
—
Interest
—
FD Growth Timeline
Maturity Amount
—
Total Interest
—
Effective Yield
—
What is a Fixed Deposit Calculator?
A Fixed Deposit (FD) calculator computes the maturity value and total interest earned on your bank FD. Enter your deposit amount, interest rate, tenure, and compounding frequency to see exactly how much your money will grow — with no market risk involved.
FD Calculation Formula
A = P × (1 + r/n) ^ (n × t)
Where A = Maturity amount, P = Principal deposit, r = Annual interest rate, n = Compounding frequency per year, t = Tenure in years.
How Compounding Frequency Affects FD Returns
Higher compounding frequency yields slightly higher returns. A ₹5,00,000 FD at 7% for 5 years earns ₹2,01,781 with quarterly compounding versus ₹2,00,000 with annual compounding. Most Indian banks compound quarterly.
SIP vs FD — Growth Comparison
SIP Returns
—
FD Returns
—
SIP vs FD — Which Is Better for You?
SIP in equity mutual funds historically delivers 12–15% annual returns over 10+ year periods but comes with market volatility. Fixed Deposits offer guaranteed 6–8% returns with zero risk. The right choice depends on your time horizon, risk appetite, and financial goals. Our comparison tool shows the exact rupee difference to help you decide.
Frequently Asked Questions
What is SIP and how does a SIP Calculator work?
SIP (Systematic Investment Plan) lets you invest a fixed amount monthly in mutual funds. A SIP calculator uses the compound interest formula to estimate future value based on your monthly investment, expected return rate, and investment duration. It factors in monthly compounding to show your total invested amount, estimated returns, and maturity value.
How is FD maturity amount calculated?
FD maturity is calculated using the compound interest formula: A = P × (1 + r/n)^(n×t), where P is your principal deposit, r is the annual interest rate, n is compounding frequency (4 for quarterly), and t is tenure in years. Most banks compound quarterly.
Which is better for long-term investment — SIP or FD?
For long-term wealth creation (10+ years), SIPs in equity mutual funds historically outperform FDs significantly, delivering 12–15% average annual returns versus 6–8% for FDs. However, FDs carry zero market risk and are better for conservative, short-term goals. Use our Compare tab to see the exact difference.
What is Step-up SIP and how does it help?
Step-up SIP increases your monthly investment by a fixed percentage every year, mirroring salary growth. A 10% step-up on ₹10,000/month means you invest ₹11,000 in year 2, ₹12,100 in year 3, and so on. This can nearly double your final corpus compared to a flat SIP over 20 years.
How does inflation affect my investment returns?
Inflation erodes purchasing power. If your SIP returns 12% annually and inflation is 6%, your real return is roughly 6%. Our calculator shows inflation-adjusted values so you can plan with realistic purchasing-power expectations rather than nominal numbers.
Are these calculations accurate?
Our calculators use standard financial formulas and are mathematically precise. However, actual mutual fund returns vary based on market performance, and actual FD rates depend on your bank. These results are estimates to help you plan — not guarantees of future returns.