SIP Calculator
See what a fixed monthly investment could grow to, plus your total invested and estimated returns.
How to use the SIP Calculator
- Enter the amount you will invest every month.
- Enter the annual return you expect (%).
- Enter how many years you will keep investing.
- See the projected future value, total invested and returns.
FV = P × [ (1 + r)^n − 1 ] ÷ r, where r = monthly rate, n = number of months
About the SIP Calculator
A SIP (systematic investment plan) means investing a fixed amount every month instead of one lump sum. This calculator shows the estimated future value of those contributions, assuming a steady annual return that compounds every month.
Because you keep buying in good months and bad, a SIP spreads your risk and takes the emotion out of investing — a habit known as dollar-cost averaging. The longer you stay invested, the more compounding works for you: most of a long-term SIP’s final value is growth, not the money you put in.
Use it to plan toward a goal, compare different monthly amounts, or see the huge difference a few extra years of investing makes.
Frequently asked questions
Is the return guaranteed?
No. Market-linked investments go up and down, so the return you enter is only an estimate. The calculator shows a projection, not a promise.
What return should I assume?
That assumption does all the work here, and this calculator cannot pick it for you — it compounds whatever you type. Take the figure from the fund’s own published long-run returns or another source you can check, remember it is before fees, tax and inflation, and try a cautious number too: over twenty years the gap between an optimistic and a pessimistic rate is far wider than most people expect.
Start or end of month?
This calculator assumes each contribution is invested at the end of the month. Investing at the start would give a slightly higher result.