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SIP calculator

A Systematic Investment Plan (SIP) is a monthly automatic investment into a mutual fund or ETF. This calculator projects the future value using compound growth on regular contributions.

Updated July 2026
$
%
Maturity value
$401,367
Total invested
$90,000
Wealth gained
$311,367

How it works

FV = PMT × [((1 + r)^n − 1) / r] × (1 + r)
  • PMT is the monthly investment amount.
  • r is the monthly return (annual ÷ 12).
  • n is the number of monthly contributions.
  • The formula gives future value assuming contributions at the start of each month.

Worked examples

  • $300/month for 25 years at 10% grows to about $400,000.
  • Extending 5 more years takes it to roughly $675,000 — the last decade does the heaviest lifting.

Frequently asked questions

What return should I assume?

Historical equity index returns run 8–10% nominal. Use a conservative 6–7% real return if you want an inflation-adjusted view.

Is SIP better than a lump sum?

SIPs win on discipline and reduced timing risk. Lump sums win statistically because markets trend up. Doing both is fine.

Related

DCA calculator
The same idea by a different name.
Compound interest calculator
The underlying math.
Educational information only. Not personalised financial advice. Consult a qualified professional for decisions specific to your situation.