Skip to content
StockMarketAgent
Home›Tools›SIP calculator
§ Tools / Series 03 · Personal finance

SIP calculator

A deterministic recurring-investment projection: the systematic investment plan question for India, the monthly investment or DCA question everywhere else. For a contribution, an assumed return, and a tenure it returns the estimated corpus, and, unlike most free tools, it tells you exactly which compounding convention produced the number.

§ Market-linked, not a fixed-rate product

This projects periodic investing under an assumed return. Equity returns are not guaranteed and the smooth curve is not a forecast. For a fixed-rate bank product use the recurring deposit calculator; for one-time investing, the lump-sum calculator.

2
Rate conventions
3
Scenarios
5×5
Sensitivity grid
Goal-seek
Solve for contribution
v1
Methodology
§ Start with a preset
Three product-neutral starting points, adjust anything after.
Inputs
Independent units for the contribution and the lump sum · everything recomputes instantly.
01Contribution
02Return & tenure
03Step-up & lump sum
Estimated corpus
$187,187.81
$500 monthly for 15 years at 9%. You invested $90,000.00.
Total earnings$97,188
Growth multiple2.08×
Real corpus · today's money$120,149
Total invested
$90,000
180 contributions
Total earnings
$97,188
51.9% of corpus
Absolute return
108.0%
earnings / invested
Average contribution
$500
flat
Fee drag · lifetime
−$3,434
0.2% annual expense
Periodic rate
0.7333%
per monthly · nominal
§ Invested vs earnings

How much of the corpus is your money vs market growth?

Year by year. The gold band, compound growth, usually overtakes your own contributions over long horizons.
Y0Y2Y4Y6Y8Y10Y12Y14Y15
Total invested Estimated earnings
§ Scenarios

Bear, base, bull, 5% either side of 9%

Bear4.0%
$121,437
earnings $31,437
Base9.0%
$187,188
earnings $97,188
Bull14.0%
$300,449
earnings $210,449
§ Sensitivity

Return × tenure, the corpus across nearby assumptions

Rows: expected return ±. Columns: tenure in years. The base case is outlined.
Return ＼ Years7y11y15y19y23y
6.0%$51,905$92,492$143,648$208,125$289,394
7.5%$54,939$101,447$163,670$246,921$358,303
9.0%base$58,198$111,497$187,188$294,674$447,314
10.5%$61,700$122,792$214,867$353,642$562,802
12.0%$65,466$135,497$247,511$426,678$713,257
§ Goal-seek · solve the inverse

How much should you invest each month to hit a target corpus?

Holds your return, tenure, timing, step-up, and initial investment fixed, solves for the contribution.
$
Solving…
§ Year-by-year schedule

The path, not just the endpoint

YearOpeningContributionsGrowthFee dragClosingReal closing
Y1$0.00+$6,000.00+$293.83−$6.86$6,293.83$6,111
Y2$6,293.83+$6,000.00+$870.58−$21.16$13,164.42$12,409
Y3$13,164.42+$6,000.00+$1,500.19−$38.05$20,664.61$18,911
Y4$20,664.61+$6,000.00+$2,187.49−$57.89$28,852.09$25,635
Y5$28,852.09+$6,000.00+$2,937.77−$81.08$37,789.86$32,598
Y6$37,789.86+$6,000.00+$3,756.80−$108.08$47,546.66$39,820
Y7$47,546.66+$6,000.00+$4,650.89−$139.38$58,197.56$47,320
Y8$58,197.56+$6,000.00+$5,626.91−$175.56$69,824.47$55,120
Y9$69,824.47+$6,000.00+$6,692.38−$217.26$82,516.85$63,242
Y10$82,516.85+$6,000.00+$7,855.47−$265.17$96,372.32$71,710
Y11$96,372.32+$6,000.00+$9,125.16−$320.10$111,497.48$80,548
Y12$111,497.48+$6,000.00+$10,511.19−$382.94$128,008.66$89,783
Y13$128,008.66+$6,000.00+$12,024.23−$454.68$146,032.90$99,441
Y14$146,032.90+$6,000.00+$13,675.93−$536.44$165,708.83$109,553
Y15$165,708.83+$6,000.00+$15,478.98−$629.44$187,187.81$120,149
§ Formula trace
every output, derived
  1. contribution = 500 × ones = 500.00 USD / monthly
  2. periodicRate = R_net / 12 = 0.733333% (R_net after 0.2% fee)
  3. periods N = 15 × 12 = 180 · timing = beginning-of-period
  4. futureValue = 187187.81 (initial leg 0.00 + contribution leg 187187.81)
  5. totalInvested = 90000.00 · totalEarnings = 97187.81
  6. realFutureValue = FV / (1 + 3%)^15 = 120148.73
  7. feeDrag = FV(no fee) − FV = 3434.10 over 15y
§ Input audit
no input silently ignored
contributionused
contributionUnitused
currencyused
expectedReturnPctused
feePctused
frequencyused
inflationPctused
initialAmountdefaulted
initialUnitdefaulted
rateConventionused
returnVariancePctused
stepUpPctdefaulted
taxPctdefaulted
tenureYearsused
timingused
§ Warnings
  • Equity returns are not guaranteed. The smooth projection is not a forecast; historical data is not a forecast either.
§ Golden references · locked in tests
Reference case: ₹1,000/month, 12%, 10 years, monthly. Four numbers pinned so the convention can't silently change.
Nominal · end
₹2,30,038.69
Nominal · beginning
₹2,32,339.08
Effective · end
₹2,21,930.04
Effective · beginning
₹2,24,035.89
The ~3.6% gap between nominal-end (₹2,30,038.69) and effective-end (₹2,21,930.04) on the same “12%” input is the whole point: it is which compounding convention you chose, nothing else.
§ Specialized siblings
Lump sum investment →Step-up SIP calculator →Recurring deposit calculator →Compound interest calculator →Goal-based SIP →FD vs stock market returns →
§ Same engine, headlessly

The deterministic projection, sensitivity matrix, and goal-seek are reachable as public stateless REST endpoints. MCP candidates exist behind an unpassed launch gate and are not publicly available. Source-backed prefill and historical backtests are unavailable in v1.

POST/api/v1/financial-calculators/sip/run
POST/api/v1/financial-calculators/sip/sensitivity
POST/api/v1/financial-calculators/sip/solve-contribution
GETSource-backed defaults · unavailable in v1
POSTHistorical backtest · unavailable in v1
MCP preview · not launchedcalculate_sip_investment · solve_sip_monthly_contribution
methodology_version = financial-calculators.v1 · canonical = /en/tools/sip-calculator
§ FAQ

Four things worth knowing

Q01Why does “12%” give two different corpus numbers here?+
Because there are two ways to read a 12% return. Nominal APR (the SIP textbook convention) divides it by 12 to get a 1.0000% monthly rate. Effective annual treats 12% as the already-compounded yield, so the monthly rate is (1.12)^(1/12)−1 = 0.948879%. On a ₹1,000/month, 10-year, end-of-period SIP that is ₹2,30,038.69 vs ₹2,21,930.04, a ~3.6% gap on the same input. Most free calculators silently pick one and never tell you. This one makes it a toggle, and defaults to nominal APR for SIP parity.
Q02Beginning or end of period: does the toggle matter?+
Yes. Beginning-of-period (annuity due) means every contribution earns one extra period of growth, which is how most real SIPs behave. End-of-period means the last contribution earns nothing. On a 10-year monthly SIP the gap is about 1% of the final corpus, small per month, real over a decade. The default is beginning-of-period.
Q03How is the step-up SIP computed?+
With an iterative schedule, not a closed-form shortcut. Each year the contribution is multiplied by (1 + step-up rate), then per-period growth is applied. The same iterative path powers missed contributions and non-monthly frequencies, so the step-up number stays consistent rather than being bolted on.
Q04After inflation, fees, and tax, what is actually left?+
Those are three separate first-class outputs, not blanket disclaimers. Real future value deflates the corpus by inflation into today’s money. After-fee value nets an annual expense ratio out of the return. After-tax value applies an exit tax to positive gains only. You can mix and match them; each appears in the headline and the formula trace.

From calculation to research

Research the companies a monthly plan could own