SIP India calculator
A SIP of 5,000 a month at an expected 12% for 10 years grows to 1,161,695.38 on 600,000 invested. Each installment counts from the start of the month, the convention Indian SIP calculators use. Free in your browser.
- Free
- Runs in your browser
- No sign-up
- Your data stays on your device
Run — free
Worked example
- Monthly
- 5,000
- Interest rate
- 12
- Years
- 10
- Months
- 120
- Monthly rate
- 0.01
- Future value
- 1,161,695.38
- Total invested
- 600,000
A systematic investment plan, or SIP, is the default way Indian households put a fixed rupee amount into a mutual fund every month. Goal planners, fund distributors, and product teams all ask the same question: if I invest a constant installment every month at an expected annual return for a given tenure, what is the maturity corpus and how much cash did I actually put in. This SIP India calculator accepts those three numbers—monthly investment, annual return as a percent, and years—and returns the future value using the beginning-of-month annuity-due identity that Indian SIP landings quote, plus the total invested as monthly times twelve times years. It does not add a lumpsum, convert currencies, apply step-ups, deduct expense ratios, or invert a target corpus into the SIP you would need.
What an Indian SIP means and how the closed form works
A systematic investment plan in the Indian mutual-fund market is a constant monthly contribution, not a one-off lumpsum and not a bank recurring deposit. The cash-flow is treated as an annuity due: each installment is assumed to be invested at the beginning of the month, which is the convention that public SIP India calculators and the AMFI-style identity they print all use. Convert the annual percent to a monthly rate i by dividing by one hundred and then by twelve.
The number of installments n is twelve times the tenure in years. The maturity value is then the monthly installment times the quantity one plus i to the n, minus one, divided by i, and then multiplied once more by one plus i. That last factor is what distinguishes this landing from an ordinary end-of-month SIP annuity: every installment receives an extra month of compounding.
When the expected return is zero the monthly rate is zero and that annuity ratio is undefined, so the future value collapses to monthly times n, which is simply the cash you put in. Total invested is always monthly times n, and gain is future value minus that cash. This page is not a lumpsum-plus-SIP combiner, not a generic beginning-of-period annuity-due identity for arbitrary payment frequency, and not a savings-account projector that also takes an opening deposit: those queries already have their own calculators.
What you can do with it
Monthly SIP goal projections
Project the maturity corpus of a fixed rupee SIP at a stated annual return and tenure, and see total invested next to future value.
Distributor and coaching oracles
Generate reproducible SIP India answer keys that split gain from cash invested so learners and clients can check each piece.
FAQ
How is SIP India maturity calculated?
The SIP is a beginning-of-month annuity due: SIP×[((1+i)^n−1)/i]×(1+i), or SIP×n when i is zero. Total invested is SIP×n.
Is the expected return a percent or a decimal?
A percent. Send 12 for twelve percent per year. Sending 0.12 would be treated as twelve hundredths of a percent, not twelve percent.
What happens if years is zero or negative?
Years must be a positive number of years. Zero, negative, missing, or non-finite tenure values are rejected and are not billed.
Does this include SIP step-ups, a lumpsum, or expense ratios?
No. The SIP is a constant beginning-of-month amount for every month of the tenure. Step-up SIPs, an opening lumpsum, and fund expense ratios are different contracts.
Why does the calculator assume investment at the start of each month?
Indian SIP calculators use that convention: each installment is invested at the beginning of the month, so it gets one extra month of growth compared with an end-of-month plan. The result is therefore slightly higher.
Related tools
For developers — API access
Everything on this page is available programmatically. This section is for teams who want to wire it into their own systems; everyone else can just use the tool above.
API endpoint
Prefer to automate it? One authenticated POST creates the task; the result comes back by webhook or a signed link. The same capability also runs here on the web, by email and from Telegram — and soon from our app too.
Call it from your stack
curl -X POST https://api.kit.forhosting.com/fin/sip-india \
-H "Authorization: Bearer $KIT_KEY" \
-H "Content-Type: application/json" \
-d '{"monthly":5000,"rate":12,"years":10}'const res = await fetch("https://api.kit.forhosting.com/fin/sip-india", {
method: "POST",
headers: {
"Authorization": `Bearer ${process.env.KIT_KEY}`,
"Content-Type": "application/json"
},
body: JSON.stringify({
"monthly": 5000,
"rate": 12,
"years": 10
})
});
const { task_id } = await res.json();import os, requests
res = requests.post(
"https://api.kit.forhosting.com/fin/sip-india",
headers={"Authorization": f"Bearer {os.environ['KIT_KEY']}"},
json={
"monthly": 5000,
"rate": 12,
"years": 10
},
)
task_id = res.json()["task_id"]<?php
$res = file_get_contents("https://api.kit.forhosting.com/fin/sip-india", false, stream_context_create([
"http" => [
"method" => "POST",
"header" => "Authorization: Bearer " . getenv("KIT_KEY") . "\r\nContent-Type: application/json",
"content" => '{"monthly":5000,"rate":12,"years":10}',
],
]));
$task = json_decode($res, true);body := bytes.NewBufferString(`{"monthly":5000,"rate":12,"years":10}`)
req, _ := http.NewRequest("POST", "https://api.kit.forhosting.com/fin/sip-india", body)
req.Header.Set("Authorization", "Bearer "+os.Getenv("KIT_KEY"))
req.Header.Set("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)Example request
{
"monthly": 5000,
"rate": 12,
"years": 10
}Example response
{
"task_id": "tsk_a1b2c3d4e5f6a1b2c3d4e5f6",
"type": "fin.sip_india",
"status": "queued",
"_links": {
"result": "/tasks/tsk_…/result"
}
}The API is asynchronous: the call returns a task_id immediately and the result arrives by webhook. Polling is capped at 1 req/s per task.
Pricing
Published price — no tokens, no invented credits. A failed task is never charged.
Limits
max_years | 80 |
max_monthly | 1000000000000 |
Errors
| HTTP | Code | Meaning |
|---|---|---|
401 | unauthorized | Missing or invalid API key. |
402 | insufficient_balance | Your balance doesn't cover the task price. |
404 | unknown_type | That task type doesn't exist. |
429 | rate_limited | Too many requests. Use the webhook instead of polling. |
Technical notes
Years must be strictly positive; a zero horizon fails with invalid_input instead of a silent empty maturity.
Input contract, response shape, and error behaviour
Example: five thousand monthly, twelve percent, and ten years is one hundred twenty months at a one percent monthly rate, six hundred thousand invested, and a maturity of one million one hundred sixty-one thousand six hundred ninety-five point thirty-eight. Failed validation does not consume balance. POST a JSON body with three required finite numbers. monthly is the recurring SIP installment in one currency, typically Indian rupees although the identity itself is unitless; aliases monthly_investment, sip, pmt, and amount are accepted so worksheets can keep familiar column names, and the value must sit between zero and one trillion inclusive. rate is the expected annual return as a percent—twelve means twelve percent per year, not a decimal 0.12 unless you truly intend twelve hundredths of a percent; aliases annual_rate, expected_return, and return_rate map to the same field. rate must be greater than negative one hundred and at most one hundred so that one plus the monthly rate stays positive and the power stays finite. years is the tenure in years, a finite positive number greater than zero and at most eighty; fractional years such as two point five are allowed, and aliases duration, t, tenure, and time are accepted. If years is missing, zero, negative, or otherwise not a positive finite number, the task fails with invalid_input naming years; that is the contracted error and it is not billed. Each field may arrive as a JSON number or a numeric string. On success the body echoes monthly, rate, and years, reports months as twelve times years and monthly_rate as the decimal i, and returns future_value, total_invested, and gain rounded half-up to two decimal places for stable currency-style goldens, plus a formula string restating the annuity-due closed form.
Where a SIP India calculator earns its keep
Households in India use a SIP calculator when they are comparing a five-thousand-rupee monthly plan against a ten-thousand-rupee plan over ten or fifteen years and need one number for the maturity corpus plus the cash they will actually lock in. Mutual-fund distributors and goal-based planners need a deterministic oracle that rejects a zero tenure instead of silently showing a zero corpus that a buggy form might treat as success. When you later need an opening lumpsum beside the SIP, or an ordinary end-of-month annuity without the extra compounding factor, switch to those identities rather than stretching this three-field India SIP contract. Product teams wire the same contract into onboarding demos so a user who types a monthly SIP, an expected percent, and a tenure sees the identical future_value the API will later return in production tests. Keep requests small, pin rounded future_value and total_invested in tests, and you get reproducible corpus figures for worksheets, LMS plugins, and edge workers without standing up a spreadsheet service of your own.
Integration use cases
Product demos and CI fixtures
Seed goal-planning apps and automated tests with deterministic future_value and total_invested that match the free browser widget byte-for-byte.
Technical questions
What does the SIP India calculator cost?
The browser tool is free. API requests use prepaid KIT balance at $0.002 per successful call; invalid input is not billed.