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Finance · Step-by-step guide

How to Calculate Compound Interest and SIP

The Compound Interest & SIP Calculator shows how your money could grow over time, from a one-off deposit, regular monthly saving, or both. Use it to plan savings, a SIP or retirement goals.

Open the Compound Interest & SIP Calculator Free · No sign-up · 6 steps · 2 min read

How to use it

  1. Enter your starting amount

    Type any lump sum you are starting with into Starting amount. Use 0 if you have none.

  2. Enter your monthly saving

    Type how much you will add each month into Monthly contribution (your SIP amount).

  3. Enter the expected return

    Type a yearly return into Expected annual return (%). Be realistic, because past returns do not guarantee future ones.

  4. Enter how many years

    Set Years invested. You can also change the Compounding frequency and add Inflation to see the value in today's money.

    Compound interest calculator inputs for starting amount, monthly contribution, return rate and years
    Starting amount (1), monthly contribution (2), return (3) and years (4).

  5. Read your result

    The summary shows the final value, how much you put in and how much came from growth.

    Result showing final value, total invested and total growth
    The result summary (5).

  6. See the growth year by year

    Press Show year-by-year for a table and chart, or Download CSV to open it in a spreadsheet.

    Year-by-year growth table and chart with a Download CSV button
    Year-by-year table, chart and CSV download (6).

Tips and common questions

What is compound interest?

It is interest earned on your interest. Each year your growth is added to your balance, so the next year's growth is bigger. Over long periods this snowball effect is powerful.

What is a step-up SIP?

It means raising your monthly amount every year, for example by 10% as your salary grows. Set it under More options → Annual step-up SIP (%).

Why adjust for inflation?

Prices rise over time, so a large number in 20 years buys less than it does today. The inflation setting shows what your result is worth in today's money.

Is this financial advice?

No. It is a calculator for estimates. Real returns go up and down, and taxes and fees are not included.

Privacy

All calculations happen in your browser. Your numbers are not uploaded or stored.

Ready to try it? The Compound Interest & SIP Calculator is free and needs no account.

Open the Compound Interest & SIP Calculator

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