Investing
SIP Calculator
Estimate the future value of regular monthly investments using an assumed annual return.
Global calculator · Select the currency used for your inputs. No exchange-rate conversion is applied.
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Your results
SIP Calculator formula
Each monthly contribution is compounded for the time it remains invested. This implementation assumes contributions occur at the end of each monthly period.
How to interpret the result
The future value is an illustration based on a constant return. Actual mutual-fund NAVs change irregularly and do not compound at a fixed monthly rate.
Worked example
A monthly contribution compounded over time can grow through both contributions and assumed returns.
How to use this calculator
- Enter values from the same transaction or scenario.
- Confirm that quantities, dates, rates and currency match the labels.
- Review the result and change one assumption at a time when comparing scenarios.
Common mistakes
- Treating the assumed return as guaranteed.
- Ignoring expenses, taxes and exit loads.
- Comparing SIP and lumpsum outcomes without considering cash-flow timing.
Limitations
The calculator uses a constant annual assumption converted to a monthly rate and does not model real NAV history or changing contributions.
Learn how SIP returns are estimated →
Authoritative references
This calculator is for general education and estimation only. It is not financial, tax, accounting, or investment advice.
Questions to check before relying on the result
What does this calculator include?
Estimate the future value of regular monthly investments using an assumed annual return.
Which assumptions should I verify?
Check every entered amount, rate, date and charge against the transaction, official source or provider document relevant to you.
What can make the actual outcome different?
The calculator uses a constant annual assumption converted to a monthly rate and does not model real NAV history or changing contributions.
Does the selected currency convert my values?
No. Currency selection changes formatting only; it does not fetch or apply an exchange rate.