How it’s calculated
Future Value = A × [((1+r)^n − 1) / r] × (1+r)
- A: monthly contribution
- r: monthly rate (APR ÷ 12)
- n: number of contributions (months)
Fees/taxes not included in this simple calculation.
FAQ
What should I enter first?
Enter the monthly contribution, expected annual return, and investment term in years. Leave the start-of-month contribution option off for a first pass unless your SIP is explicitly invested at the beginning of each month.
How precise are the results?
The calculator compounds internally and rounds only for display, but the output is a projection. Market returns vary, and taxes, fees, skipped payments, and fund-specific rules are not included in this simple estimate.
Why can my result differ from another calculator?
Differences usually come from contribution timing, annual-to-monthly rate conversion, rounding, or whether fees and taxes are included. Match those assumptions before comparing maturity values.
Can I use this output for official decisions?
Use this page for educational planning and quick checks. For investment, tax, or regulated decisions, confirm assumptions with official documents or a qualified professional.
Does this page send my inputs to a server?
Core calculations run in your browser. Some share links encode parameters in the URL so results can be reproduced, but no hidden upload is triggered unless you explicitly share that URL.
How to use the SIP calculator effectively
What this calculator does
This page estimates the future value of a monthly investment plan from contribution amount, annual return, term, and contribution timing. It is useful for scenario planning, not for guaranteeing a market outcome.
Input meaning and rate policy
The return input is an expected annual percentage rate, converted to a monthly rate for compounding. Keep nominal returns, inflation-adjusted returns, fees, and taxes separate so the scenario remains easy to explain.
Use-case sequence
Start with a conservative annual return and your realistic monthly contribution. Then vary one input at a time: contribution, return, years, or start-of-month timing. This shows whether the plan is more sensitive to saving more or investing longer.
Common mistakes to avoid
Avoid treating expected return as guaranteed, entering a monthly return in the annual-return field, or comparing outputs without matching contribution timing. Taxes, exit loads, expense ratios, and missed payments can materially change real results.
Interpretation guidance
Read maturity value as a planning range anchor. The invested amount shows your contribution base; the gain portion shows compounding sensitivity. For real decisions, compare multiple return assumptions rather than relying on a single optimistic case.