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Calculators
Calculate the future value of monthly SIP (Systematic Investment Plan) investments. See how your recurring monthly investments grow over time with compound returns and get a detailed yearly breakdown.
Follow these simple steps to get instant, accurate results directly in your browser:
Specify the amount you plan to invest every month in your active currency.
Input the anticipated annual rate of return (e.g. 12%) and investment horizon in years.
Inspect the estimated maturity value, total amount invested, and total capital gains.
The SIP Calculator (Systematic Investment Plan) calculates the expected future wealth and returns generated by regular monthly mutual fund and equity index investments.
A Systematic Investment Plan uses rupee-cost (or dollar-cost) averaging, purchasing more mutual fund units when market prices are low and fewer units when prices are elevated. By reinvesting dividends and returns over a long investment horizon, investors harness the power of compounding without attempting to time market fluctuations.
All projections run in client-side memory, allowing you to plan retirement, children's education funds, and personal wealth milestones in total privacy.
Disclaimer: This tool is provided for educational and estimation purposes only and does not constitute financial or tax advice. Consult a certified financial advisor or accountant for formal planning.
M = P * [((1 + i)^n - 1) / i] * (1 + i)Where M is the final maturity amount, P is the periodic monthly installment, i is the periodic interest rate (annual return / 12 / 100), and n is the total number of monthly payments.
Monthly SIP P = $500 Expected Annual Return = 12% -> Monthly return i = 0.12 / 12 = 0.01 Tenure = 15 Years -> n = 180 months M = 500 * [((1 + 0.01)^180 - 1) / 0.01] * (1 + 0.01) M = 500 * [(5.9958 - 1) / 0.01] * 1.01 = $252,288.03 Total Invested: $90,000.00 | Total Estimated Capital Gains: $162,288.03.
Our calculation methodologies adhere to published guidelines from authoritative government agencies and standards bodies:
Uses mathematically precise future value of annuity equations.
Contrasts total invested capital against accumulated compound interest.
Model annual contribution increases as your income grows over time.
Your financial goals remain private on your computer.
Model expected wealth accumulation in equity index funds (e.g., S&P 500, Nifty 50) over 10-25 years.
Determine the monthly SIP installment required to achieve a specific target nest egg.
Understand how small recurring monthly deposits outgrow lump-sum savings through compounding.
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