SIP & EMI Calculator

SIP corpus + EMI schedule — visual charts, free, instant

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SIP & EMI Calculator is a free, browser-based tool that lets you sip corpus + emi schedule — visual charts, free, instant — with zero signup, zero installation. Your data never leaves your browser. Part of 116+ free developer and business tools at wowhow.cloud, built and maintained by a team with 14+ years of hands-on development experience.

TOOLSIP & EMI Calculator

Monthly InvestmentRs 10,000

Rs 500Rs 1,00,000

Expected Return Rate (p.a.)12%

1%30%

Time Period10 years

1 years30 years

Total

23.23 L

Invested

Returns

Invested Amount

Rs 12 L

Est. Returns

Rs 11.23 L

Total Value

Rs 23.23 L

Year-wise Growth

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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About SIP & EMI Calculator

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.

How It Works

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.

Who Is This For

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.

How to Use

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

Frequently Asked Questions

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.