SIP Calculator
Estimate the future value of monthly SIP investments.
đ Runs entirely in your browser â nothing is uploaded.
âšī¸ Assumes a monthly investment made at the start of each month, with a constant rate of return - real returns vary.
How SIP Calculator works
How does the SIP calculator work?
It computes future value with the annuity-due formula FV = P à ((1+i)^n - 1) / i à (1+i), where P is your monthly contribution, i is the monthly return rate (annual rate Ãˇ 12 Ãˇ 100), and n is the number of months. The extra (1+i) factor accounts for each installment being invested at the start of the month rather than the end, which is how the tool models a systematic investment plan.
When would I use this?
Use it to estimate how a recurring monthly investment, like a mutual fund SIP, could grow over a chosen number of years at an assumed rate of return. It is a quick way to see how much of the final corpus comes from your own contributions versus compounding growth.
What are the limitations here?
The tool assumes a single, constant rate of return every month for the full duration and a fixed contribution amount with no step-ups or missed installments. Real markets are volatile, so actual outcomes will differ from this projection - this is a planning estimate, not investment advice.