SIP Calculator (Monthly Investment Planner)
Plan systematic monthly investments and estimate maturity value with expected annual return.
Maturity value
$494,627.68
Total invested
$120,000.00
Estimated returns
$374,627.68
Scenario Compare
Save up to 4 SIP scenarios.
No scenarios saved yet.
SIP Growth
Monthly projection
Insights
Generate a concise interpretation of your inputs and outputs. This is educational and hypothetical.
What It Is
The SIP calculator estimates maturity value for a fixed monthly investment plan over a chosen horizon.
It is useful for disciplined long-term investing where contributions are made monthly.
How It Works
Each month, existing value grows by monthly return and your SIP amount is added.
Outputs include maturity value, total invested, and estimated returns.
Formula
Monthly iterative method: value_next = value_current x (1 + monthly_rate) + monthly_investment.
Total returns = maturity value - total invested.
Example
A $500 monthly SIP at 12% assumed annual return over 20 years can compound meaningfully.
Use different rates and durations to understand sensitivity.
Frequently Asked Questions
Is SIP better than lumpsum?
It depends on market path and timing.
Can I change SIP over time?
This version assumes a fixed monthly amount.
Does this account for fees?
No, adjust expected return if needed.