Free SIP Calculator

How it works

A SIP (Systematic Investment Plan) invests the same amount every month, automatically. Enter your monthly investment, the annual return you expect and how long you will stay invested — this calculator compounds every payment month by month and shows what your money could grow into.

How the math works

Each monthly payment is treated as invested at the start of the month, so it compounds for the full period. With monthly payment P, annual return r and n monthly payments, the monthly rate is i = r / 1200 and the future value is:

FV = P × [((1 + i)^n − 1) / i] × (1 + i)

The final × (1 + i) reflects each payment being invested at the start of its month. Total invested is simply P × n, and estimated gains are the future value minus total invested. If the return is 0%, the future value is just the sum of your payments.

Everyday uses

• Retirement saving: see what $300–$500 a month can become over 20–30 years of steady investing.
• Goal planning: work out the monthly amount needed for a house deposit, a car or a college fund.
• Habit swaps: check what investing one cancelled subscription per month is worth over a decade.

Frequently asked questions

What return should I assume for a SIP?

It depends on what you invest in. Broad US stock index funds have returned roughly 10% a year on average over very long periods, bonds much less. Try a conservative case (7–8%) alongside an optimistic one so you are not planning around best-case numbers.

Is a SIP the same as a recurring investment in the US?

Yes, in spirit. “SIP” is the term used in India for an automatic monthly mutual fund investment; in the US the same habit is usually called a recurring investment or automatic investment plan. The math is identical.

Does this calculator include fees, taxes or inflation?

No. It shows gross growth before fund fees, taxes and inflation, and it assumes the return is smooth — real markets move up and down, so treat the result as a planning estimate, not a promise.