SIP Calculator
Future value of a Systematic Investment Plan with monthly contributions.
Best for: Use it to plan monthly investing toward a goal (retirement, a house, education) or to see how raising your SIP or staying invested longer changes the outcome.
Input
Result
EstimateFuture value
$1,161,695
What your numbers show
- You invested $600,000.00, and it grew to $1,161,695.38 — a 93.6% total gain.
- 48.4% of your final corpus is investment growth rather than your own contributions — that is compounding doing the work.
Educational estimate · standard formula · runs privately in your browser.
What to do next
Part of the 🌅 Retire Early pathNext: Step-up SIP CalculatorInvestors test whether raising the SIP yearly beats a flat one.Benefit: A bigger corpus for a small yearly increase. · Impact: High - compounding magnifies small step-ups.| Year | Invested | Value | Gain |
|---|---|---|---|
| 1 | $60,000.00 | $64,046.64 | $4,046.64 |
| 2 | $120,000.00 | $136,216.00 | $16,216.00 |
| 3 | $180,000.00 | $217,538.24 | $37,538.24 |
| 4 | $240,000.00 | $309,174.17 | $69,174.17 |
| 5 | $300,000.00 | $412,431.83 | $112,431.83 |
| 6 | $360,000.00 | $528,785.15 | $168,785.15 |
| 7 | $420,000.00 | $659,894.99 | $239,894.99 |
| 8 | $480,000.00 | $807,632.83 | $327,632.83 |
| 9 | $540,000.00 | $974,107.53 | $434,107.53 |
| 10 | $600,000.00 | $1,161,695.38 | $561,695.38 |
More about this result
- Type
- Projection
- Method
- Assumption-based projection
- Confidence
- Indicative
A forward-looking projection based on assumptions (rates, returns, time); actual outcomes will differ.
Explore scenarios
Challenge: Can you grow your corpus faster?
- Duration· Most impactful— +5 yrs
- Contribution· Moderately impactful— +50%
- Expected return· Least impactful— +2%
The future value (FV) is your projected corpus; invested = P × n; gains = FV − invested. The assumed return is an estimate — real fund returns vary year to year.
- 1.DurationHigh impact
Years invested drive compounding the most.
- 2.Expected returnHigh impact
Small return differences compound into large gaps.
- 3.Monthly investmentMedium impact
More invested raises the corpus proportionally.
- Stay invested for longer
- Step up your SIP as income grows
- Keep fund costs (expense ratio) low
- Inflation often matters more than expected over the long run.
- Small rate changes can significantly affect total outcomes.
- Long-term consistency usually beats short-term timing.
Staying invested through downturns buys more units exactly when prices are lowest. — U.S. SEC (investor.gov)
Challenge: Can you grow your corpus faster?Try it →
Worth a revisit later — market returns change.
How it's calculated & sources
Method: future value of an annuity at the chosen frequency (with begin/end-of-period timing), optionally combined with a one-time lumpsum. Assumes a constant return; real returns fluctuate and aren't guaranteed.
- Assumed constant annual return
- Returns are not guaranteed - markets vary
- Excludes taxes and fund costs
Free & no sign-up · runs entirely in your browser. Results are estimates for general information, not professional advice — verify important decisions with a qualified expert. Last reviewed June 2026.
How it works
FV = P × [(1 + r)n − 1] / r × (1 + r) for SIPs, plus lumpsum × (1 + r)n.
P = investment per period, r = periodic rate, n = number of periods.
Example
Investing $5,000.00/month at 12% annual for 10 years grows to about $1,161,695.38 — you contributed $600,000.00 (beginning-of-period contributions).
Frequently asked questions
What is a SIP?+
A Systematic Investment Plan invests a fixed amount at regular intervals — weekly, monthly or quarterly — typically into mutual funds.
Can I model a lumpsum too?+
Yes — switch the mode to Lumpsum or SIP + Lumpsum to combine a one-time investment with your regular contributions.
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