SIP / Investment Calculator
Calculate the future value of your systematic monthly investments. Works for SIPs, mutual funds, ETFs, and any regular investment plan worldwide.
Investment Details
Investment Projection
Total Value in 10 Years
$116,170
Returns: $56,170
How It Works
SIP (Systematic Investment Plan) calculator uses the future value of an annuity formula to project the growth of regular monthly investments:
FV = PMT × [(1+r)^n – 1] / r × (1+r)
Where PMT = monthly investment, r = monthly return rate (annual ÷ 12), and n = total months.
An optional one-time lumpsum investment can be added, which grows using simple compound interest: FV = PV × (1+r)^n.
Both values are summed for the total projected portfolio value.
Worked example: investing $300 per month for 20 years at a 12% assumed annual return (1% monthly) grows to roughly $299,800 — from $72,000 actually invested. The other $227,800 is compounded growth. Note the sensitivity to the return assumption: the same plan at 8% reaches about $176,700, which is why projections should be treated as scenarios, not promises.
Frequently Asked Questions
Written by the Tools & Deals Hub Editorial Team · Reviewed by Durga Prasad Mogulothu, Founder · Last reviewed:
Sources & further reading
- CFPB — Consumer tools (loans, mortgages, savings)
- Investor.gov — Free financial calculators (U.S. SEC)
Results are estimates for planning, not professional advice. Figures can change after publication — check the source for current numbers.