What this calculator does
A Systematic Investment Plan (SIP) is a way to invest a fixed amount at regular intervals, commonly monthly. This calculator estimates how a series of monthly contributions may accumulate at an assumed annual rate of return.
Try the SIP Calculator
Enter your own figures and explore an estimate in the InvestCalc calculator.
Open calculator ↗How does a SIP calculator work?
It estimates the future value of recurring contributions using a monthly rate derived from the annual return assumption. The result depends on contribution size, time horizon and the assumed return.
Important assumptions
The estimate assumes regular contributions and a constant return for calculation purposes. Real market returns are variable and are not earned in a smooth or guaranteed pattern.
Why time matters
A longer investment period can give contributions more time to compound, but it also exposes an investment to market movements for longer. Consider your goals, risk tolerance and liquidity needs.
SIP calculator formula
A common future-value approach applies a monthly rate to each periodic contribution. Different calculators may use slightly different timing conventions, so compare assumptions when checking results.
Frequently asked questions
Are SIP returns guaranteed?
No. SIPs in market-linked funds carry investment risk. The return entered is an assumption, not a promise.
Does the calculator include taxes and fund fees?
No. Taxes, expense ratios, exit loads and other costs are not included in this estimate.