SIP calculator: estimate your monthly investment returns
Quick answer
An SIP calculator projects the future value of a fixed amount invested every month at an assumed annual return, with monthly compounding. It is the same maths as a compound interest calculator with a recurring contribution added on each period.
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A Systematic Investment Plan is a fixed amount invested at a regular interval - almost always monthly - into a mutual fund or similar investment. An SIP calculator answers "if I invest this much every month at roughly this return, what will it be worth in N years?"
The underlying arithmetic is exactly compound interest with a recurring contribution: each month's investment starts compounding from the moment it goes in, so earlier contributions have longer to grow than later ones.
Step by step
Set the contribution to monthly
Enter your planned monthly SIP amount as the recurring contribution, with contribution frequency set to monthly.
Compound Interest CalculatorSet an assumed annual return
A rate you consider realistic for the fund type - this is an assumption, not a guarantee.
Compound Interest CalculatorSet the investment period
In years - longer periods benefit more from compounding.
Compound Interest Calculator
Tips
- Mutual fund returns fluctuate - the calculator models a fixed assumed rate for planning purposes, not a forecast of actual market performance.
- If you also have a lump sum to invest alongside the monthly SIP, enter it as the initial investment - the tool compounds both together.
Common problems
Not sure what rate of return to assume.
Try a conservative, moderate and optimistic rate as three separate scenarios rather than relying on a single guess - the "Compare two scenarios" mode does this side by side.
Frequently asked questions
- Is an SIP calculator the same as a compound interest calculator?
- Yes, functionally - an SIP is compound interest with a recurring monthly contribution rather than a single lump sum, which is exactly what a compound interest calculator with contributions models.
- Does this account for fund fees or taxes?
- No - it models growth at your assumed rate before fees and taxes, which will reduce the real-world result.
- Are the results guaranteed?
- No - mutual fund and market-linked returns fluctuate. This is a planning estimate at a fixed assumed rate, not a forecast.
Related related tools
- Compound Interest CalculatorSee how savings grow when interest earns interest - with or without regular contributions.
- Loan CalculatorFind the monthly payment on a loan, and see how much of it is interest rather than principal.
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