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SIP corpus + EMI schedule — visual charts, free, instant
Total
23.23 L
Invested Amount
Rs 12 L
Est. Returns
Rs 11.23 L
Total Value
Rs 23.23 L
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | Rs 1.20 L | Rs 8,093 | Rs 1.28 L |
| 2 | Rs 2.40 L | Rs 32,432 | Rs 2.72 L |
| 3 | Rs 3.60 L | Rs 75,076 | Rs 4.35 L |
| 4 | Rs 4.80 L | Rs 1.38 L | Rs 6.18 L |
| 5 | Rs 6 L | Rs 2.25 L | Rs 8.25 L |
| 6 | Rs 7.20 L | Rs 3.38 L | Rs 10.58 L |
| 7 | Rs 8.40 L | Rs 4.80 L | Rs 13.20 L |
| 8 | Rs 9.60 L | Rs 6.55 L | Rs 16.15 L |
| 9 | Rs 10.80 L | Rs 8.68 L | Rs 19.48 L |
| 10 | Rs 12 L | Rs 11.23 L | Rs 23.23 L |
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Planning a mutual fund SIP and managing a home loan EMI are two of the most common financial calculations Indian professionals need. Doing them in a single tool with visual breakdowns — invested vs returns chart for SIP, principal vs interest pie for EMI — makes the comparison tangible. Whether you are deciding how much to invest monthly or evaluating a loan offer, the interactive sliders give instant feedback as you adjust each variable.
For SIP, the tool uses the future value of annuity formula: M × [{(1+r)^n − 1} / r] × (1+r), where M is the monthly SIP amount, r is the monthly return rate (annual rate / 12), and n is the total number of months. The year-wise growth table is generated by computing the running balance at each 12-month interval.
For EMI, the standard reducing balance formula is used: EMI = P × r × (1+r)^n / [(1+r)^n − 1], where P is the principal, r is the monthly rate, and n is the total months. The amortization schedule breaks each EMI into its interest and principal components month by month, showing how the interest share shrinks over time.
Both modes display results in Indian number formatting (lakhs and crores), making large investment and loan figures easier to read at a glance.
A 28-year-old planning to accumulate Rs 50 lakh in 10 years, using the SIP tab to find the monthly investment required at 12% expected return.
A home buyer comparing two loan offers — Rs 60 lakh at 8.5% vs Rs 65 lakh at 8% — checking total interest outgo using the EMI amortization schedule.
A salaried employee with an existing SIP who wants to see how increasing the SIP amount by Rs 2,000/month changes the 5-year corpus.
A first-time borrower understanding how the bank loan is structured and why most early EMIs go toward interest rather than reducing principal.
Scope note: SIP returns assume a constant annualised rate — actual mutual fund returns are market-linked and can vary significantly year to year. EMI calculation uses monthly rests; some older loan products may use daily rests, giving slightly different results. Prepayment impact is not modelled in this combined calculator — use the dedicated Loan Comparison tool for prepayment scenarios.
Disclaimer: This calculator is for informational and educational purposes only and does not constitute financial, tax, or legal advice. Results are estimates based on publicly available tax slabs and formulas. Consult a qualified Chartered Accountant, tax professional, or financial advisor for guidance specific to your situation. Built and maintained by the WOWHOW Team with 14+ years of software development experience.
Switch between SIP and EMI modes
Use sliders or type exact values for amount, rate, and time period
View the visual breakdown — invested vs returns for SIP, or interest vs principal for EMI
Expand the yearly growth table or amortization schedule for detailed figures
About the SIP & EMI Calculator
Using the compound interest formula with monthly compounding: M x [{(1+r)^n - 1} / r] x (1+r), where M is monthly investment, r is monthly rate, n is total months.
Standard reducing balance method: EMI = P x r x (1+r)^n / [(1+r)^n - 1], where P is principal, r is monthly rate, n is total months.
Yes, Indian number formatting (lakhs and crores) is used throughout for easy readability.
Yes — work backward from the target amount. Decide the goal amount and timeline, estimate a 10-12% CAGR for equity mutual funds, and find the SIP amount that hits your target using the growth table. Adjust monthly contribution and tenure until the maturity value matches your goal.
Making even one extra EMI per year can cut 3-5 years off a 20-year loan and save lakhs in interest. Switch to the EMI tab, check the amortization schedule, and mentally compare interest paid in early years to see why prepayment in the first 5 years has the most impact.
Minor differences arise from the day count method (some banks use 365 days, others use 30-day months) and rounding conventions. The calculator uses standard reducing balance with monthly rests, which matches most Indian bank home and personal loan EMI structures.
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