SIP Calculator
Project a systematic investment plan (SIP) with equal contributions every month and a hypothetical growth assumption.
FREE ONLINE CALCULATOR
SIP Calculator
Change the settings below to calculate your result. You can check the assumptions further down this page.
SIP future value is calculated month by month using a monthly effective rate and regular contributions.
How to use this sip calculator
Enter monthly investment, estimated annual return, term and optional starting balance. The model assumes end-of-month contributions.
Formula and calculation method
SIP future value is calculated month by month using a monthly effective rate and regular contributions.
Worked example
A longer SIP increases total installments contributed, while growth assumptions influence modeled future value.
Understanding the result
A systematic investment plan spreads contributions across many months, so not every installment has the same amount of time to grow. The first installment experiences more modeled growth periods than the final installment.
When to use this calculator
Use several return assumptions if you want to see how sensitive a long-term projection is to the annual rate. SIP investing does not promise fixed gains, and this calculator excludes fees, taxes and market volatility.
What the results do not include
Market returns vary and SIP contributions do not guarantee profit. Charges, taxes and inflation are excluded.
Frequently asked questions
Is SIP the same as a guaranteed savings deposit?
No. Investments can fluctuate and may lose value.
When are installments assumed to occur?
At the end of each month.
For education and estimates only. Check any contractual, tax, banking or employment terms that apply to your situation. The calculations are not financial advice or guaranteed returns.