7 Best SIP Calculators Online for 2026
We tested every popular SIP calculator in India for accuracy, step-up SIP support, and chart quality. Here's which ones actually use the right formula.
SIP calculators are one of the most Googled financial tools in India — and for good reason. Whether you're starting a ₹500 SIP or investing ₹50,000 a month, knowing what your corpus will look like in 10, 20, or 30 years matters.
But here's the problem: not all SIP calculators are built the same. Some use the wrong formula (dividing the annual rate by 12 instead of proper compounding), some don't support step-up SIP, and most give you a single number with no visual context.
We tested 7 of the most popular SIP calculators in India with identical inputs — ₹10,000/month, 12% annual return, 20 years — and compared their results, features, and accuracy. The correct answer is ₹99,91,479.
Quick Verdict
- Best overall: ITR Stats — real-time results, step-up SIP, interactive doughnut + bar charts, year-by-year breakdown table, dark mode
- Best for mutual fund investors: Groww — clean UI, links directly to fund investment
- Best for tax planning: ClearTax — SIP calculator integrated with ELSS tax-saving flow
- Best for goal planning: ET Money — slider UI with goal-based recommendations
What We Tested
For each calculator, we checked:
- Formula accuracy — uses correct monthly compounding: i = (1 + annual_rate)^(1/12) - 1
- Step-up SIP support — can you increase your SIP annually by a percentage?
- Charts and visualisation — doughnut, bar, or line charts showing growth
- Year-by-year breakdown — table showing invested vs returns each year
- Real-time calculation — results update as you type (no "Calculate" button)
- Mobile-friendly — works well on phone screens
- No login required — can you use it without creating an account?
The 7 Best SIP Calculators
A fast, accurate SIP calculator that updates results in real-time as you type. Supports both regular and step-up SIP with a dedicated annual increase slider. Shows an interactive doughnut chart (invested vs returns split) and a stacked bar chart with year-by-year growth. Includes a toggleable breakdown table with exact figures for each year.
Strengths
- Real-time results — no "Calculate" button
- Step-up SIP with annual increase %
- Interactive doughnut + stacked bar charts
- Year-by-year breakdown table
- Correct monthly compounding formula
- Dark mode, fast, zero ads
- No login or account needed
Limitations
- No direct link to start SIP in a fund
- No XIRR or fund-specific return data
- No PDF export of results
Groww's SIP calculator is one of the most used in India thanks to their massive mutual fund platform. It features a clean slider-based UI with SIP and Lumpsum tabs. Uses the correct compound interest formula and clearly shows invested amount vs estimated returns in a pie chart. Step-up SIP is available as a separate calculator.
Strengths
- Trusted by millions of Groww users
- Clean, minimal interface
- Correct compounding formula
- SIP + Lumpsum toggle on same page
- "Invest Now" button links to actual funds
Limitations
- Step-up SIP is a separate calculator page
- No year-by-year breakdown table
- No bar chart for growth over time
- Results update only on slider change (not typing)
ClearTax's calculator is embedded in their comprehensive tax and investment platform. It supports basic SIP calculation with a slider UI and shows a simple donut chart. The real value is its integration with ClearTax's ELSS investment flow — you can go from estimating returns to investing in a tax-saving fund in two clicks.
Strengths
- Integrated with ELSS tax-saving investment
- Clean slider interface
- Shows invested vs returns pie chart
- Well-known and trusted brand
Limitations
- No step-up SIP option
- No year-by-year growth table
- Page is heavy with ads and ELSS promotions
- No bar/line chart for growth over time
ET Money's SIP calculator stands out for its goal-based approach. Beyond the standard calculation, it recommends specific mutual funds based on your return expectations and offers a "SIP Step Up" feature. The UI uses sliders with a visual breakdown of invested vs returns.
Strengths
- Goal-based investment recommendations
- Step-up SIP support
- Fund recommendations based on return target
- Visually appealing slider UI
Limitations
- Pushes premium app features heavily
- No year-by-year breakdown table
- Requires scrolling past marketing content
Angel One (formerly Angel Broking) offers a functional SIP calculator as part of their trading platform. It provides the essentials — monthly amount, expected return, and tenure — with a bar chart showing the growth of your investment over time. Accurate formula implementation.
Strengths
- Accurate calculations
- Bar chart showing growth over time
- Links to Angel One trading platform
Limitations
- No step-up SIP
- No year-by-year breakdown
- Basic UI with limited customization
- Heavy page with platform marketing
Scripbox positions itself as a wealth management platform, and their SIP calculator reflects this with a clean, minimalist design. It shows a simple breakdown of invested amount vs returns with a visual graph. Scripbox recommends their own curated fund portfolios alongside the results.
Strengths
- Very clean, minimal design
- Curated fund recommendations
- Mobile-friendly interface
Limitations
- No step-up SIP
- No detailed breakdown table
- Limited chart options
- Pushes Scripbox portfolio products
BankBazaar's SIP calculator is a straightforward tool that gets the basics right. Enter monthly investment, tenure, and expected return — it shows the maturity amount. No frills, no charts, just the numbers you need for a quick estimate.
Strengths
- Simple and fast
- No login required
- Accurate formula
Limitations
- No step-up SIP
- No charts or visual breakdown
- No year-by-year growth table
- Ad-heavy page layout
Quick Comparison Table
| Feature | ITR Stats | Groww | ClearTax | ET Money | Angel One |
|---|---|---|---|---|---|
| Correct Compounding | Yes | Yes | Yes | Yes | Yes |
| Step-Up SIP | Yes | Separate | No | Yes | No |
| Real-Time (No Button) | Yes | Slider only | No | Slider only | No |
| Doughnut Chart | Yes | Yes | Yes | Yes | No |
| Growth Bar Chart | Yes | No | No | No | Yes |
| Year-by-Year Table | Yes | No | No | No | No |
| Fund Integration | No | Yes | ELSS | Yes | Yes |
| No Login Needed | Yes | Yes | Yes | Yes | Yes |
| Dark Mode | Yes | No | No | No | No |
| Mobile Friendly | Yes | Yes | Yes | Yes | Yes |
Our Recommendation
If you want the most feature-complete SIP calculator with step-up support, interactive charts, year-by-year breakdown, and real-time updates — ITR Stats is the clear winner. No login, no ads blocking your inputs, and dark mode for late-night financial planning.
If you're already a Groww user and want to go from estimating to investing in two clicks — Groww's calculator is perfectly fine. Their formula is accurate, and the "Invest Now" button makes the flow seamless.
If you're specifically planning an ELSS tax-saving SIP — ClearTax ties the calculator directly to their investment platform. If you want goal-based recommendations — ET Money does that better than anyone else.
For a quick number without any frills — BankBazaar and Angel One will get the job done in seconds.
Try Our SIP Calculator
Step-up SIP, interactive charts, year-by-year breakdown table. Real-time results as you type. No login. No ads.
Open SIP Calculator Lumpsum Calculator