stockcalc-tools

SIP Calculator — Systematic Investment Plan Returns for Indian Investors

Free online SIP calculator — compute monthly SIP returns, step-up SIP, and compare SIP vs Lumpsum instantly. No login. No ads. All calculations run in your browser.

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🔗 Live Calculators

Tool	URL	Use Case
SIP Calculator	stockcalc.in/sip	Monthly SIP returns with compounding
Step-Up SIP	stockcalc.in/calculator/step-up-sip	SIP with annual increment
SIP vs Lumpsum	stockcalc.in/calculator/dca-vs-lumpsum	Compare DCA vs one-time investment
SWP Calculator	stockcalc.in/calculator/swp	Systematic withdrawal planning
Mutual Fund Comparer	stockcalc.in/calculator/mutual-fund-comparer	Side-by-side fund comparison

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📐 SIP Formula (Open Source)

M = P × { [(1 + r)ⁿ - 1] / r } × (1 + r)

Where:
  M = Maturity amount
  P = Monthly SIP amount (₹)
  r = Monthly rate of return (Annual rate ÷ 12 ÷ 100)
  n = Total number of months (Years × 12)

JavaScript Implementation

/**
 * Calculate SIP maturity amount
 * @param {number} monthly   - Monthly investment (₹)
 * @param {number} annualRate - Expected annual return (%)
 * @param {number} years     - Investment tenure (years)
 * @returns {number}         - Maturity amount (₹)
 */
function sipMaturity(monthly, annualRate, years) {
  const r = annualRate / 12 / 100;
  const n = years * 12;
  return monthly * (((Math.pow(1 + r, n) - 1) / r) * (1 + r));
}

// Example: ₹10,000/month @ 12% for 10 years
console.log(sipMaturity(10000, 12, 10).toFixed(2)); // ₹23,23,391

Step-Up SIP Formula

/**
 * Step-Up SIP — SIP amount increases by a fixed % each year
 * @param {number} monthly    - Initial monthly SIP (₹)
 * @param {number} annualRate - Expected annual return (%)
 * @param {number} years      - Tenure (years)
 * @param {number} stepUp     - Annual increment (%)
 * @returns {number}          - Final corpus (₹)
 */
function stepUpSip(monthly, annualRate, years, stepUp) {
  let corpus = 0;
  let sip = monthly;
  const monthlyRate = annualRate / 12 / 100;
  for (let y = 0; y < years; y++) {
    for (let m = 0; m < 12; m++) {
      corpus = (corpus + sip) * (1 + monthlyRate);
    }
    sip *= (1 + stepUp / 100);
  }
  return corpus;
}

// Example: ₹10,000/month, 12% return, 10 years, 10% step-up annually
console.log(stepUpSip(10000, 12, 10, 10).toFixed(2)); // ₹34,97,491

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🏦 Bank-Specific SIP Calculators

Bank / AMC	Calculator
SBI SIP	stockcalc.in/sip/sbi-sip
HDFC SIP	stockcalc.in/sip/hdfc-sip
ICICI SIP	stockcalc.in/sip/icici-sip
Axis SIP	stockcalc.in/sip/axis-sip
Nippon India SIP	stockcalc.in/sip/nippon-india-sip
Kotak SIP	stockcalc.in/sip/kotak-sip
Mirae Asset SIP	stockcalc.in/sip/mirae-asset-sip
Parag Parikh SIP	stockcalc.in/sip/parag-parekh-sip

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📖 Key Concepts

What is SIP?

A Systematic Investment Plan (SIP) allows investors to invest a fixed amount in mutual funds every month. The power of SIP comes from rupee cost averaging — buying more units when NAV is low and fewer when NAV is high.

SIP vs Lumpsum — When to choose?

| Factor | SIP | Lumpsum | |——–|—–|———| | Market timing | Not required | High risk | | Cash availability | Monthly income | Large corpus | | Discipline | Built-in | Manual | | Best for | Salaried investors | Bonus / windfall |

Use the SIP vs Lumpsum Calculator →

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