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SIP Calculator

Project a systematic investment plan with monthly contributions.

Calculators Reviews Free · no sign-up

Raise the instalment each year in line with income.

YearMonthly SIPInvested to dateValueGain

Maturity value

—

Total invested—
Estimated returns—
Returns as % of total—
Total instalments—

Invested vs returns

Invested

Returns

SIPs are usually into market-linked funds, so returns vary and can be negative over shorter periods. The expected return you enter is an assumption, not a guarantee.

Quick Tool Overview

The SIP Calculator projects a systematic investment plan from a monthly amount, an expected annual return and a number of years, giving the maturity value, the total invested and the gain on top. A step-up option models the version most people actually run.

What it does
Projects the maturity value of a systematic investment plan
You give it
A monthly amount, an expected return and a duration
You get back
Maturity value, total invested and total gain
Best for
Mutual fund SIPs, monthly investing and goal planning
Calculators Free, unlimited use No sign-up Runs in your browser

About the SIP Calculator

A systematic investment plan puts a fixed amount into a fund at regular intervals. Enter the monthly amount, an expected annual return and the number of years to get the maturity value, the total you invested and the gain on top.

A step-up option models the version most people actually run, where the contribution rises each year in line with income. The effect is larger than it looks, because each increase compounds for the remaining term. The calculator also compares your SIP against investing the same total as a single lump sum at the start, which is a fair way to see what you give up in expected return for the smoother entry price that regular investing buys you.

Key features of the SIP Calculator

Annual step-up

Model a contribution that rises each year with income — the effect is larger than it looks, because each increase compounds for the remaining term.

Invested versus gained

The total you put in and the growth on top are reported separately rather than as one maturity figure.

Lump sum comparison

Your SIP is compared against investing the same total at the start, a fair way to see what the smoother entry price costs you in expected return.

Any duration

Short goals and thirty-year horizons are both handled, with the compounding done monthly.

Instant what-ifs

Adjust the monthly amount or the return and the maturity value updates as you type.

How to use the SIP Calculator

  1. 1

    Enter your monthly amount

    The sum you plan to invest at each interval.

  2. 2

    Set the return and duration

    Enter an expected annual return and how many years the plan will run.

  3. 3

    Add an annual step-up

    Optional. Increase the contribution by a percentage each year to match rising income.

  4. 4

    Compare the totals

    The invested amount and the returns are shown separately so you can see how much of the maturity value is growth.

Frequently asked questions

With the future value of an annuity formula: M equals P times ((1+i) to the power n, minus 1) divided by i, all multiplied by (1+i), where P is the instalment, i is the monthly rate and n is the number of instalments.

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