F
Fire Finance

Investment Calculators

Project a monthly recurring investment. Instant numbers, no spreadsheets.

Inputs

Saved locally · updates as you type
₹
%

Total Invested

Sum of every contribution

Wealth Gained

2.78× of invested

Maturity Value

At the end of the term

Wealth Growth

Stacked: principal vs. compounding returns, year by year

Yearly Breakdown PRO

Year-by-year breakdown of opening balance, contributions, and interest earned

YearOpeningInvestedInterestClosing
Y1₹0₹3,00,000+₹17,063₹3,17,063
Y2₹3,17,063₹3,00,000+₹57,274₹6,74,337
Y3₹6,74,337₹3,00,000+₹1,02,585₹10,76,922
Y4₹10,76,922₹3,00,000+₹1,53,643₹15,30,565
Y5₹15,30,565₹3,00,000+₹2,11,177₹20,41,742
Y6₹20,41,742₹3,00,000+₹2,76,007₹26,17,748

Year-by-year breakdown is a Pro feature

Inspect every year's opening balance, contributions, interest earned, and closing balance.

About the SIP calculator

A SIP (Systematic Investment Plan) invests a fixed amount every month, letting compounding and rupee-cost averaging do the heavy lifting. This calculator projects any SIP, lump sum, or yearly step-up SIP to maturity, with a growth chart and year-by-year breakdown.

Use it to answer questions like “what does ₹30,000 a month become in 20 years?” — at 12%, about ₹3 crore, of which only ₹72 lakh is money you put in. The rest is compounding.

Inputs

Monthly amount (or one-time lump sum), expected annual return, investment duration, and — for step-up SIPs — the yearly increase percentage. Currency switches between INR and USD.

The math

Each instalment compounds monthly at your expected return for the time it stays invested. The maturity value splits into “invested” and “returns” so you can see exactly what compounding contributed.

Worked example

₹30,000/month for 20 years at 12% → roughly ₹3.0 crore maturity from ₹72 lakh invested. Step the SIP up 10% a year and it crosses ₹4.9 crore — the raise you invest matters more than the amount you start with.

Frequently asked questions

How does a SIP calculator work?

It compounds each monthly instalment at your expected annual return until maturity. Earlier instalments compound longer, which is why the growth curve steepens over time — the classic future-value-of-an-annuity formula, computed month by month.

What is a step-up SIP and why does it matter?

A step-up SIP increases your monthly amount every year — say 10% annually, matching salary growth. A ₹20,000 SIP stepped up 10% yearly can build roughly 1.5–2× the corpus of the same SIP kept flat over 20 years.

SIP or lump sum — which is better?

A lump sum invested early has more time to compound, but most people earn monthly, and SIPs also average your purchase price across market ups and downs. In practice: invest lump sums when you have them, and run a SIP for everything else.

What return should I assume for a SIP?

Indian equity index funds have averaged 10–14% over long periods, debt funds 6–8%. A blended 10–12% is a common planning assumption for equity-heavy SIPs — and using a slightly conservative number gives your plan slack.

Is this calculator free? Do I need to sign up?

Free, no account needed. It runs in your browser and your inputs stay on your device. A free account adds cloud sync and lets the FIRE planner use your real SIP portfolio.