SIP Calculator

Calculate the future value of your Systematic Investment Plan. See how your recurring monthly investments grow over time.

Investment Plan
Enter your monthly SIP amount, expected return, and duration.
$
%
years
Expected Amount
$116,170
Total Invested
$60,000
Sum of your monthly deposits
Wealth Gained
+$56,170
Free money from compounding
Year-by-Year Breakdown
YearBalance
Year 1$6,405
Year 2$13,622
Year 3$21,754
Year 4$30,917
Year 5$41,243
Year 6$52,879
Year 7$65,989
Year 8$80,763
Year 9$97,411
Year 10$116,170
Understanding SIPs

A Systematic Investment Plan (SIP) is a method of investing a fixed sum of money regularly (usually monthly) into a mutual fund, ETF, or stock index.

Why are SIPs so powerful?

By investing small amounts consistently over long periods, you harness two extremely powerful financial concepts:

  • Compound Interest: Every month your balance grows, and every subsequent month you earn interest on both your principal and the previously earned interest. The growth curve starts slow but skyrockets in the later years.
  • Dollar-Cost Averaging (DCA): By investing a fixed amount every month regardless of what the market is doing, you automatically buy more shares when prices are low and fewer shares when prices are high. This removes the stress of trying to "time the market."
Frequently Asked Questions