SIP Calculator

Future value of a monthly systematic investment plan.

Enter values

Monthly investment

Expected return

% p.a.

Duration

years

—

Investment growth over time

The formula

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

A systematic investment plan buys at regular intervals regardless of price. Each instalment compounds for a different length of time, so the earliest ones do the heaviest lifting. Investing steadily also averages your purchase price, smoothing out the effect of market timing.

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Example calculations

Common questions this calculator answers — select one to load its values.

What does $5,000 a month grow to in 10 years at 12%? Future value $1,161,695.38 What does $500 a month become after 20 years at 8%? Future value $296,473.61

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Frequently asked questions

What return should I assume?+

Returns are never guaranteed. Long-run equity averages of 10–12% are often used for illustration, but actual results vary year to year.

Are contributions made at the start of the month?+

Yes — this uses the annuity-due formula, assuming each instalment is invested at the beginning of the month.

All calculations run locally in your browser. Nothing you type is sent to a server.