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SIP & Compound Interest Calculator

Project recurring investments or a lump sum with contribution timing, annual step-up, inflation and a CSV schedule.

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Your inputs stay on your device and are not sent to our servers. Optional usage analytics does not receive your files or tool inputs.

Currency

Initial investmentContribution per periodYearsEffective annual return (%)Annual contribution step-up (%)Annual inflation (%)Contribution periodPayment timing

Projected value₹999,319

Total invested₹600,000

Projected gain₹399,319

Today’s purchasing power₹613,495

Teal: projected balance · Dashed blue: contributions

Estimates only, not financial advice or guaranteed returns. Growth compounds monthly using the equivalent of your effective annual rate. Contributions are per selected period; step-up applies each year. Taxes, fees and market volatility are excluded.

Year-by-year schedule & CSV

Year	Invested	Projected value	Gain	Inflation adjusted
1	₹60,000	₹62,703	₹2,703	₹59,717
2	₹120,000	₹131,676	₹11,676	₹119,434
3	₹180,000	₹207,546	₹27,546	₹179,286
4	₹240,000	₹291,003	₹51,003	₹239,409
5	₹300,000	₹382,806	₹82,806	₹299,939
6	₹360,000	₹483,789	₹123,789	₹361,011
7	₹420,000	₹594,871	₹174,871	₹422,764
8	₹480,000	₹717,061	₹237,061	₹485,335
9	₹540,000	₹851,470	₹311,470	₹548,865
10	₹600,000	₹999,319	₹399,319	₹613,495

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How to use SIP & Compound Interest Calculator

Enter an initial investment and contribution per period.
Choose years, an effective annual return and payment timing. Optionally adjust step-up and inflation.
Compare contributions and projected growth, then download the yearly schedule.

Read the detailed guide →

What are the limits of SIP & Compound Interest Calculator?

Estimates only, not advice or guaranteed returns. Monthly compounding uses an equivalent effective annual rate. Taxes, fees and market volatility are excluded. Currency selection changes display only; no exchange conversion is performed.