SIP Calculator
Project the future value of a recurring monthly investment with compound growth.
A Systematic Investment Plan (SIP) is a strategy of investing a fixed amount at regular intervals — typically monthly — rather than a single lump sum, letting compound growth work on each contribution for a different length of time. This approach is popular precisely because it doesn't require timing the market and builds a disciplined, automatic investing habit.
This calculator projects the future value of a monthly SIP given your monthly contribution, expected annual return rate, and investment period, using compound growth applied monthly. It separates the result into your total invested amount (simply the monthly contribution times the number of months) and estimated returns (the growth generated by compounding), so you can see how much of your final balance came from your own contributions versus investment growth.
The expected annual return is an assumption you provide, not a guarantee — past performance of any asset class doesn't guarantee future returns, so try multiple realistic return scenarios (conservative, moderate, optimistic) to understand a range of possible outcomes rather than relying on a single projection.
How to use SIP Calculator
- 1
Enter your monthly investment
Input how much you plan to invest each month.
- 2
Enter your expected return rate
Input a realistic expected annual return based on your investment type.
- 3
Enter your investment period
Input how many years you plan to keep investing.
- 4
Review your projection
See your total contributions, estimated growth, and projected future value.
Features
- Separates invested amount from estimated compound growth
- Monthly compounding for accurate long-term projections
- Instant recalculation as you adjust any input
- Useful for comparing different contribution amounts or timeframes
Frequently asked questions
Common mistakes to avoid
- Assuming a single optimistic return rate will definitely materialize rather than modeling a range of scenarios.
- Underestimating how much starting a few years earlier can change the final outcome due to compounding.
- Not accounting for inflation when evaluating whether a projected future value meets a real financial goal.
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