📈 SIP: Calculator

Project the future value of a recurring monthly investment (Systematic Investment Plan).

$
%
years
FUTURE VALUE
$0
projected value at the end of your investment period
Total Invested
$0
Estimated Returns
$0
Total Months
0
Growth Multiple
0x
Share of final value that came from your own contributions vs. growth

What Is a SIP (Systematic Investment Plan)?

A Systematic Investment Plan (SIP) is a strategy where you invest a fixed amount at regular intervals — usually monthly — into a mutual fund, index fund, or similar investment, rather than putting in one lump sum. This calculator projects the future value of a recurring monthly investment using compound growth, the same math used for any dollar-cost-averaging investment plan.

FV = P × [ ((1 + i)n − 1) / i ] × (1 + i)
P = monthly investment, i = monthly rate of return, n = total number of months

Why Consistency Matters More Than Timing

Because you invest the same amount every month regardless of market conditions, a SIP-style approach buys more units when prices are low and fewer when prices are high — a strategy often called dollar-cost averaging. Over long periods, this can smooth out the impact of short-term market volatility compared with trying to time a single lump-sum investment.

Assumptions Behind This Calculator

This tool assumes a constant monthly investment amount and a constant annual rate of return compounded monthly, which is a simplification — real investment returns vary year to year. Use this as a planning estimate, not a guarantee of future performance.

📎 Related Tools: Compound Interest Calculator Investment Calculator Mutual Fund Calculator Retirement Calculator

❓ Frequently Asked Questions

What is a good expected annual return to use for a SIP calculation?
It depends entirely on what you're invested in. Many long-term equity index funds have historically returned around 7-12% annually over long periods, but past performance never guarantees future results, and returns can vary significantly year to year.
Is a SIP the same as dollar-cost averaging?
Yes, functionally. A SIP (common terminology in Indian and some Asian markets) and dollar-cost averaging (common Western terminology) both describe investing a fixed amount at regular intervals rather than a lump sum.
Does this calculator account for taxes or fund fees?
No. This calculator projects gross returns based on your inputs. Fund expense ratios, taxes on capital gains, and any account fees will reduce your actual net returns and aren't factored in here.
What happens if I increase my monthly investment over time?
This calculator assumes a fixed monthly amount for simplicity. If you plan to step up your contributions annually (a common strategy), your actual future value will be higher than what's shown here.
Can I use this for a 401(k) or other retirement account contribution?
Yes, the underlying math is identical for any recurring fixed investment, including 401(k) contributions, though for retirement-specific planning with employer matches, the 401(k) Contribution Calculator and Retirement Calculator may give a fuller picture.

🏆 About This Tool — Accuracy & Trust

🔒 Data Privacy: All calculations run entirely within your browser using JavaScript. Nothing you enter here is ever transmitted to our servers, stored, sold, or shared.

📐 Accuracy Note: This tool uses standard, widely published formulas and guidelines. Results are estimates for informational purposes; for financial, medical, or engineering decisions, consult a licensed professional.

📅 Last Updated: September 2026.