SIP Calculator

A Systematic Investment Plan (SIP) Calculator is a free financial planning tool that projects the future value of recurring investments into mutual funds, ETFs, or any compounding instrument. Instead of guessing how a ₹5,000-per-month investment will grow over 20 years, you get the exact number — based on your contribution amount, expected annual return, and time horizon — in a fraction of a second.

The UtilsGo SIP Calculator runs entirely inside your browser. We never see your investment amounts, your goals, or any input you type. Calculations use the standard future-value-of-annuity formula trusted by financial planners worldwide, with full support for monthly, quarterly, half-yearly, and yearly contribution frequencies — something most online calculators miss.

Why use a SIP calculator before you invest?

Compounding is the most powerful — and most counter-intuitive — force in personal finance. The difference between investing ₹10,000/month at a 12% return for 20 years versus 25 years isn't a 25% larger corpus; it's nearly 80% larger. Without modeling it, most people drastically underestimate the cost of starting late. A SIP calculator turns that abstract idea into a concrete number you can act on this month.

How the calculation works

The future value (FV) of a SIP is calculated as:

FV = P × [((1 + r)ⁿ − 1) / r] × (1 + r)

where P is the periodic investment, r is the periodic rate of return (annual rate ÷ frequency), and n is the total number of contributions. The trailing (1 + r) term assumes contributions are made at the beginning of each period (an "annuity due"), which is how most real-world mutual-fund SIPs work — a small but important detail that many calculators get wrong.

What you'll see in the output

• Total Invested — the sum of every contribution you'll make over the tenure
• Estimated Total Value — your projected corpus at maturity
• Wealth Gained — pure compounding profit (Total Value − Total Invested)
• Period-by-period growth so you can see exactly when the curve starts bending upward

Use it to plan a retirement corpus, save for a down payment, fund a child's education, or simply visualize what doubling your SIP would do. Adjust the inputs as often as you like — every change recalculates instantly with no server round-trip.