Give your investing habit a horizon.
Explore a monthly SIP, increase contributions over time, and see the difference between money invested and projected growth.
Your investing habit
Starting balance & contribution timing
A constant-return model of regular investing
Start with an amount you can sustain.
Try an annual contribution increase to see how investing more changes the result separately from the return rate.
SIP is a method of investing, not a guaranteed return. This model uses an effective annual return converted to a monthly rate. Taxes, fees and changing market prices are excluded.
A SIP is a schedule,
not a promised return.
A systematic investment plan is a way to invest regularly. This calculator estimates what monthly investments might become under one constant annualized return assumption. It does not select a fund, predict prices or model a sequence of market returns.
Try lower and negative return assumptions as well as your starting estimate. A rising illustration is not evidence that the outcome will occur. A larger contribution can increase your balance without improving the investment’s rate of return.
What does a step-up do?
At 5,000 a month and a 10% annual increase, year two uses 5,500 a month and year three uses 6,050. Total contributions over those three years are 198,600, before any starting balance. Increases begin at the start of year two.
Read about regular contributions →Our calculation method
The annualized input is treated as an effective annual rate. Monthly rate = (1 + annual rate)1/12 − 1, with the rate expressed as a decimal. This is different from dividing a nominal annual interest rate by twelve.
For end-of-month investing, each month becomes B = B × (1 + monthly rate) + contribution. Start-of-month investing adds the contribution before applying growth. The starting balance has the full duration to grow.
A check you can reproduce
At 0% with no initial balance, investing 1,000 monthly for ten years produces exactly 120,000. The amount invested is the same regardless of contribution timing when the rate is zero.
Taxes, fees, fund expenses, inflation and variable returns are excluded. The displayed nominal balance is not a statement of future purchasing power.
Before reading too much into a projection
Is this a recommendation to invest in mutual funds?
No. It is a mathematical model for regular contributions. It does not evaluate your circumstances or any product’s suitability.
Why can another SIP calculator show a different result?
Common differences are beginning versus end-of-month deposits, using annual rate ÷ 12 instead of an equivalent monthly rate, and how annual increases are applied.