SIP Calculator
Calculate the future value of your monthly SIP investments. See how regular investing builds wealth over time.
Enter Your Values
Using shared profile · 3,500/mo · EUR — edit on Dashboard
Results update automatically as you change values.
What-If Scenarios
Results update instantlyCost Breakdown
SIP Growth (Nominal vs Real)
Click chart to expand
Invested vs Returns vs Tax
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Scenario Analysis
How the outcome shifts if your assumptions turn out better or worse than expected.
Market outperforms expectations
At 10.88% effective return
Market underperforms
Compare Scenarios
Pin up to 3 and see them side by sideSet your inputs, then Pin current to save this scenario. Pin a few variations to compare their scores and outcomes here.
What Moves the Needle Most
How much each factor changes your Future Value across its full range. Time Period has the biggest impact.
Focus your attention on Time Period — getting it right matters most. Factors lower down move the result less, so rough estimates there are fine.
Confidence & Assumptions
The result swings widely between best and worst cases — it depends heavily on assumptions that are hard to predict.
Future Value: €162,397 (worst) → €224,814 (expected) → €317,506 (best)
These are the estimates the result depends on. Adjust them (and the Advanced inputs) to match your real situation — the closer they are to reality, the more reliable your decision.
These estimates are for informational purposes only and do not constitute financial advice. Actual results may vary based on factors not captured in this calculator.
How This Calculator Works
What this calculator does
This calculator shows the future value of investing a fixed amount every month, earning compound returns. It demonstrates how rupee/dollar cost averaging and compounding build wealth.
How the calculation works
A SIP invests a fixed amount monthly. Each installment compounds for the remaining period. The future value is the sum of all installments compounded at the monthly rate.
Formula
FV = P × [((1 + r)^n - 1) / r] × (1 + r) FV = Future value P = Monthly investment r = Monthly interest rate (annual / 12) n = Number of months
Sources & defaults
- Historical equity risk premium literature
Long-run stock/SIP defaults ~7–12% nominal before fees/tax — not a forecast
- Eurostat / national CPI
Default inflation ~2–3% unless you override it
- Future-value of an ordinary annuity (monthly SIP)
Each installment compounds for the remaining months
Example
€500/month at 12% for 15 years: FV = 500 × [((1.01)^180 - 1) / 0.01] × 1.01 = €252,870. You invested €90,000 and earned €162,870 in returns.
How to Use This Calculator
- 1Enter your numbers
Fill in the inputs for SIP Calculator. Defaults are realistic starting points — replace them with your actual figures.
- 2Understand the calculation
A SIP invests a fixed amount monthly. Each installment compounds for the remaining period. The future value is the sum of all installments compounded at the monthly rate.
- 3Review results and scenarios
Check metrics, cost breakdown, comparison tables, and best / expected / worst scenarios. Use sliders to stress-test assumptions.
- 4Decide with the verdict
Read the decision engine recommendation and FAQ. Example: €500/month at 12% for 15 years: FV = 500 × [((1.01)^180 - 1) / 0.01] × 1.01 = €252,870. You invested €90,000 and earned €162,870 in returns.
Factors to Consider
- SIP returns are market-linked and not guaranteed
- Longer investment periods give higher compounding benefit
- Increasing your monthly amount has a bigger impact than chasing higher returns
- Step-up SIPs (increasing investment yearly) can dramatically boost outcomes
Common Mistakes
- Stopping SIPs during market downturns (when you should continue)
- Using overly optimistic return expectations
- Not accounting for fund expense ratios
- Comparing SIP returns with lump sum returns incorrectly
Frequently Asked Questions
What is a SIP?+
A Systematic Investment Plan (SIP) is a method of investing a fixed amount at regular intervals (usually monthly) into mutual funds or other investment vehicles.
Are SIP returns guaranteed?+
No. SIP returns depend on market performance. The calculator shows projected values based on your expected return rate, which may differ from actual results.
What is a good monthly SIP amount?+
A common rule is to invest 20-30% of your monthly income. Use our calculator to see how different amounts grow over time.
Should I start a SIP or invest a lump sum?+
SIPs reduce timing risk through rupee cost averaging. For most people, SIPs are safer than trying to time the market with a lump sum.
This calculator provides estimates for informational purposes only and does not constitute financial, investment, tax, or legal advice. Always consult a qualified professional before making important financial decisions.
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