SIP Return Calculator

Does the calculator assume contributions at the start or end of each month when computing future value? It would help to state that next to the result, since it changes the numbers slightly.

Most investment calculators force you to guess at annual returns - you pick a number and hope it's right. The value here is doing the math backwards - plugging in your monthly contribution and how many years you're investing, then seeing what return you'd need to hit your goal. That reframes the whole conversation from theoretical returns to actual target-setting.

Clean implementation of a genuinely useful calculator — the three-input setup (monthly amount, return, duration) is the right level of simplicity, and splitting total investment from estimated returns makes the result instantly readable. Since this kind of tool is very popular with first-time Indian investors, adding a short note on how inflation eats into that future value would make it even more educational.

Clean and quick. Three inputs is exactly right for a first estimate. One suggestion: an optional "annual step-up %" field would make it much more realistic for salaried investors in India, since most people raise their SIP every year. A small chart splitting invested amount vs. returns over time would also make the compounding effect click instantly.

Good to see the assumed rate presented as an illustration rather than a promise — a lot of SIP calculators bury that caveat. One idea: showing the invested amount vs. gains as a visual breakdown would help first-time investors grasp compounding faster than numbers alone. Also, an optional annual step-up input (say 10% yearly SIP increase) would be a nice touch, since salaries grow over time and most real SIPs are stepped up rather than flat.

Three inputs is exactly the right scope for this kind of estimator — approachable, yet it still applies monthly compounding instead of a naive annual multiplication. I especially appreciate that the result separates total invested from estimated returns, and that it's explicitly framed as an illustration rather than a promise; too many SIP calculators bury the "expected return is just a guess" caveat. One idea for a next iteration: an optional annual step-up percentage field (for people who raise their SIP with salary hikes) would make projections much more realistic without adding real complexity. Quick question — is the assumed return applied monthly (rate/12 per month) or annualized in one go? It shifts the number slightly, and transparency-minded users would like knowing which it is.

Clean three-input setup — exactly the right scope for a quick SIP estimate, and the donut chart separating invested amount from estimated gains communicates compounding well. One suggestion: a step-up SIP toggle (increasing the monthly amount by, say, 10% each year) would make this much more realistic, since many investors raise their contributions annually and it changes the future value materially. Also appreciate that the page frames the result as an illustration rather than a guarantee — that honesty matters with return assumptions. Congrats on the launch!

Future value projections with a step-up feature would make this genuinely useful for salaried investors who increase their SIP every year. Pairing the result with a benchmark against FD rates would help too, since most people compare SIP with fixed deposits. Nice clean interface.