SIP Calculator — Estimate Systematic Investment Plan Returns

Enter SIP details to see total invested, wealth gained, and maturity value. Private: everything runs in your browser.

Inputs

Symbol is cosmetic; calculations are unitless.
Contribution made at the start of each period (annuity-due).
Nominal annual rate (pre-tax, pre-fees).
Supports partial years (e.g., 7.5).

Shortcuts: Enter to calculate, Esc to clear.

Results

Results will appear here.

Formula (annuity-due): $$\\text{FV} = P \\times \\frac{(1+i)^{n}-1}{i} \\times (1+i)$$ where \(P\) is the per-period SIP, \(i = r/m\), \(n = m\\times t\), \(r\) is annual rate, \(m\) periods/year, \(t\) years.

What this SIP Calculator shows

A SIP (Systematic Investment Plan) calculator helps you estimate how regular, repeated investments can grow over time through compounding. Instead of guessing what monthly or quarterly contributions might become, this tool gives you a clear snapshot of the total amount you invest, the potential wealth gained, and the maturity value at the end of your chosen time horizon.

How the calculation works

Each contribution is treated as a separate deposit that earns returns from the moment it is invested. Earlier deposits have more time to grow, while later deposits compound for fewer periods. The calculator assumes a constant annual rate of return and applies compounding according to your selected frequency (monthly, quarterly, or yearly). This makes it a practical estimate for planning, even though real markets can rise and fall.

How to use the SIP calculator

  1. Enter your periodic investment amount (for example, 100, 1,000, or 10,000).
  2. Set the expected annual rate of return. This is an estimate, not a guarantee.
  3. Choose the investment duration in years. Decimals like 7.5 are supported.
  4. Select your contribution frequency if it is not monthly.
  5. Click Calculate to see the total invested amount, estimated wealth gained, and maturity value.

Why this is useful in real life

SIP investing is common for mutual funds, index funds, retirement planning, and long-term savings goals like education or a home down payment. By running scenarios with different monthly contributions or return rates, you can compare strategies and understand how small changes today affect future value. A higher contribution or a longer time horizon often makes a bigger difference than trying to time the market, because compounding grows faster the longer your money stays invested.

Use the results as a planning guide: the total invested amount shows what you put in, wealth gained shows the growth from returns, and maturity value shows the estimated balance at the end. It is a simple way to visualize a savings plan, track progress, and adjust your SIP amount or timeline to match your goals.

Assumptions & tips

  • Returns are modeled as a constant nominal annual rate. Real markets vary.
  • Taxes, fees, and inflation are not included.
  • Change frequency to quarterly or yearly to match products outside classic monthly SIPs.

Frequently Asked Questions

Can I enter step-up SIPs?

This version assumes a fixed contribution per period. If you’d like, we can add a step-up option.

Does it support partial years?

Yes—enter decimals in the years field (e.g., 7.5 years).

Is my data private?

Yes. Everything runs in your browser; no uploads or storage.

5 Fun Facts about SIPs

The first contribution works hardest

Your very first SIP installment compounds for the entire journey—it often ends up larger than your final year’s deposits combined.

Time in market

12 drips beat 4 dumps

Putting money in monthly usually beats quarterly for the same yearly total—those extra weeks in the market sneak in more compounding.

Frequency edge

Volatility can be fuel

When prices dip, your fixed SIP buys more units. Choppy markets often leave you with more units than a smooth, always-up market.

Cost averaging

Skipping early hurts more

Pausing the first year of a 10-year SIP costs far more than pausing the last year—early contributions get the longest compounding runway.

Stay consistent

Tiny step-ups compound too

A modest 5% yearly bump to your SIP can add around 20% more to a 10-year plan (at 12% returns) versus keeping it flat.

Raise yearly

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