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Finance · Local-first · Beta

SIP Calculator

Illustrate SIP future value from a monthly contribution, timing, period and user-entered expected return.

Instant result•No account•Inputs stay in your browser
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Trust record

Check the method before you rely on the result

Tier B · Runs locally in this browser
Method
Periodic-contribution future-value illustration with explicit end-of-month or beginning-of-month timing.
FV = contribution × (((1 + monthly rate)^months − 1) ÷ monthly rate), adjusted by one period for beginning-of-month contributions.
Sources
2 reviewed references · 1 official
Open the source register
Effective period
Formula-based; no statutory effective period
Last verified
9 August 2026
Review every 90 days
Reviewer status
Finance-method review: external review pending
Privacy
Finance inputs and results stay in this browser. Values are not sent to analytics, a backend, a URL or a log, and are not saved by default. Rates and returns are user-entered assumptions, not guarantees or lender recommendations.
Important limitations
  • Expected return, contribution timing and duration are supplied by the user; the tool does not import market data.
  • Taxes, inflation, fees, volatility and changes in contribution are outside this first version.

Read all limitationsReport an error

Browse Finance · Methodology · Sources

A quick guide

Use the number with context

The answer is only useful when you know what it includes and what it leaves out.

How to use it

  1. Enter monthly contribution using the same currency and period assumptions as the other fields.
  2. Enter expected annual return using the same currency and period assumptions as the other fields.
  3. Enter investment period in months using the same currency and period assumptions as the other fields.
  4. Enter contribution timing using the same currency and period assumptions as the other fields.

Formula

FV = contribution × (((1 + monthly rate)^months − 1) ÷ monthly rate), adjusted by one period for beginning-of-month contributions.

The result is an assumption-led illustration. It is not a promised return, recommendation or prediction.

Make it concrete

Worked example

₹10,000 contributed monthly for 12 months at a 12% assumed annual return illustrates approximately ₹1,26,825 at month-end timing.

Boundaries

What this tool does not assume

Limitations

  • Expected return, contribution timing and duration are supplied by the user; the tool does not import market data.
  • Taxes, inflation, fees, volatility and changes in contribution are outside this first version.

Edge cases

  • A zero expected return produces total contributions as the future value.
  • Expected return can be negative down to −99.99% for a mathematically valid illustration.

Last reviewed 9 August 2026 · Formula version 1.0

Method & sources

How this result is grounded

The formula is deterministic and runs in your browser. Read the reference below for the method used by this tool.

  • Finance calculation methodology v1

    KarobarKit controlled methodology · authoritative reference · Checked 9 August 2026

    Supports: EMI and amortization arithmetic · SIP and FD illustrations · XIRR dated-cash-flow solving · loan comparison assumptions and limitations

  • SIP calculator

    Securities and Exchange Board of India · official reference · Checked 9 August 2026

    Supports: SIP illustration framing · no-guarantee wording

Questions

Frequently asked

Is the SIP result guaranteed?

No. It is a mathematical illustration using your expected-return assumption. Actual market performance can be higher or lower.

Why does timing change the result?

Beginning-of-month contributions receive one additional compounding period compared with end-of-month contributions.

Keep going

Related tools

A related local-first tool for the next step.

Found something that looks wrong? Tell us which tool and version you used.

Source register checked 9 August 2026.