SIP Calculator

What this calculation tells you

A systematic investment plan is a way of contributing regularly; it is not a guaranteed-return product. This tool models equal monthly contributions and a smooth assumed annual return so that you can see the effect of amount, time and contribution timing.

We convert the annual effective return into its equivalent monthly rate. This differs from calculators that simply divide an annual rate by 12. The estimated gain is the projected balance minus your contributions, not a promise about a fund or market.

The method, explained

Monthly rate i = (1 + annual return ÷ 100)^(1/12) − 1
FV = monthly contribution × [(1 + i)^n − 1] ÷ i
Beginning-of-month contributions: multiply FV by (1 + i)

The inputs use the units printed beside each field. Values shown in result cards are rounded for readability; the calculator keeps more precision while applying the formula.

Assumptions & limitations

• Returns are hypothetical, constant and compounded monthly; actual investments can lose value.
• No expense ratio, tax, exit charge or contribution increase is included.
• Only full years are accepted. End-of-month contributions have one less growth period than beginning-of-month contributions.

Questions about this tool