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SIP Calculator

Future value of monthly SIP investments with a growth chart.

Introduction

SIP Calculator — Future value of monthly SIP investments with a growth chart. Enter Monthly investment, Expected return (%), Years to get an instant, accurate result.

Formula

Future value (annuity-due) = P × (((1+r)ⁿ − 1)/r) × (1+r), where P is the monthly contribution, r is the monthly rate, and n is the number of months.

Step-by-step

  1. Enter the Monthly investment.
  2. Enter the Expected return (%).
  3. Enter the Years.
  4. Click Calculate to see your result instantly.

Real-world example

Example: With Monthly investment = 5000, Expected return (%) = 12, Years = 10, the SIP Calculator gives Future Value: 1161695.3818, Invested: 600000, Gains: 561695.3818.

Frequently Asked Questions

What does "annuity-due" mean here?
Each month's contribution is assumed to be invested at the start of the month, so it earns a full month of return.
How are gains calculated?
Gains = future value − total amount invested (monthly contribution × number of months).
What inputs does the SIP Calculator need?
You'll need to provide: Monthly investment, Expected return (%), Years. All fields use sensible defaults, so you can see a working example immediately and then adjust the values to match your own numbers.
How accurate is the SIP Calculator?
The SIP Calculator applies the formula exactly as calculated — Future value (annuity-due) = P × (((1+r)ⁿ − 1)/r) × (1+r), where P is the monthly contribution, r is the monthly rate, and n is the number of months. — so results are precise for the inputs you provide. Accuracy depends on entering correct, realistic input values.
Are these results guaranteed?
No. The SIP Calculator gives an estimate based on the numbers you enter and standard financial formulas — actual rates, fees, taxes, and terms vary by lender, institution, and jurisdiction, and can change over time. This is not financial advice; consult a qualified financial professional for decisions specific to your situation.
Is the SIP Calculator free to use?
Yes, the SIP Calculator is completely free, requires no signup, and runs instantly in your browser.

About the SIP Calculator

The SIP Calculator uses a real, verifiable formula — Future value (annuity-due) = P × (((1+r)ⁿ − 1)/r) × (1+r), where P is the monthly contribution, r is the monthly rate, and n is the number of months. — so results are accurate every time, not an approximation.