Project future value of monthly SIP investments with expected annual returns (compounded monthly).
What it does
Projects future value of a monthly SIP using an expected annual return, compounded monthly, for a given number of years.
Why it matters
A disciplined SIP plan compounds over time — this calculator shows how sensitive your corpus is to return assumptions and horizon.
Definition
A Systematic Investment Plan (SIP) invests a fixed amount at regular intervals; future value depends on return, time, and compounding frequency.
Assumptions
How to interpret your results
Treat the output as an illustration. Stress-test with lower returns to see downside scenarios.
How to improve
Increase horizon
Longer time in market increases compounding — even small monthly amounts can grow large.
Review asset allocation
Return assumptions should match your mix of equity, debt, and gold.
The SIP Calculator projects the future value of a monthly Systematic Investment Plan. Enter your monthly investment amount, an expected annual return, and the number of years you plan to invest, and it shows the total amount you will have invested, the estimated gains at that assumed rate, and the projected final corpus — an illustration of compounding, clearly separated into 'your money' and 'growth'.
Why the invested-versus-gains split matters: it is the clearest picture of compounding available. In the early years, the corpus is mostly your own contributions. Somewhere along the timeline, growth on the accumulated amount starts doing more work than your monthly deposits — and seeing where that crossover happens for your numbers is what turns 'investing is good' from a slogan into a plan.
The calculator is for anyone in India planning goal-based savings — a small business owner setting aside profits monthly, a family planning for education costs, or a first-time investor comparing how amount, rate, and time interact. All projections are illustrative only and are not investment advice.
Pick a figure you can sustain in weak months, not just good ones. Consistency over years beats a large amount you abandon after six months.
This is an assumption, so be conservative. Run the projection at more than one rate and treat the cautious case as your planning number.
Enter the years until you need the money. Try adding five years to see how strongly time changes the outcome — usually more than raising the monthly amount does.
The result splits your final corpus into contributions and growth. Use the comparison to decide whether adjusting amount, horizon, or expectations best fits your goal.
Typical of short horizons — compounding has not had time to work. If the goal date is fixed, a higher monthly amount matters more than chasing a higher assumed return.
Your plan is leaning on hope. Rework it so the conservative case reaches the goal: more monthly investment, a longer horizon, or a smaller target.
That non-linearity is compounding itself. It is the strongest argument for starting now with a modest amount rather than waiting until you can invest a large one.
Remember which input you control. You choose amount and horizon; markets choose returns. Build plans on the inputs you control and let the return assumption stay humble.
With no employer pension, a store owner decided to route a fixed sum from monthly profits into a SIP. The calculator showed him what twenty years of discipline could build at a conservative assumed rate — and, just as usefully, that skipping the plan for five years would cost far more than the missed deposits alone.
With a fifteen-year horizon to college fees, the family tested three monthly amounts against their target at a cautious return. The middle amount met the goal in the conservative case, so they set the SIP there — no heroic return assumptions required.
Torn between waiting until she earned more and starting small now, she compared starting a modest SIP today against starting triple that amount in five years. The projection at the same horizon end-date favored starting small immediately — the extra years outweighed the larger deposits.