SIP Calculator
Estimate the future value of a monthly SIP investment, including invested amount and estimated returns. Free and accurate.
Calculator by Toolsloft ↗- Invested
- $60,000.00
- Future value
- $64,046.64
- Est. returns
- $4,046.64
This calculator estimates the future value of a monthly SIP (systematic investment plan) from your monthly contribution, expected annual return, and number of months. Use it to project what regular fixed investing builds up to and to separate the amount you invested from the returns it earned. It assumes a contribution at the start of each month.
How this is calculated
It uses the annuity-due future value formula, FV = P times (((1+i)^n minus 1) divided by i) times (1+i), where P is the monthly investment, i is the monthly rate (annual divided by 12 divided by 100), and n is the number of months; at 0% it returns the total invested.
How to use
- Enter your monthly investment amount.
- Enter the expected annual return and duration in months.
- Read the invested amount, future value, and estimated returns.
Examples
- 12% for 12 mo:
5000/mo → 64046.64 - 10% for 10 yr:
10000/mo → 2065520.20
FAQ
- How is SIP future value calculated?
- FV = P · (((1+i)^n − 1) / i) · (1+i), where P is the monthly investment, i is the monthly rate (annual ÷ 12 ÷ 100), and n is the number of months. It assumes investment at the start of each month.
- Are returns guaranteed?
- No. The annual return is an assumption you enter. Actual market returns vary, so treat the result as an estimate.
- Is the duration in months or years?
- Months. For a 10-year SIP, enter 120.