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SIP calculator

Project the future value of a monthly investment plan with compound growth.

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The SIP calculator turns Monthly investment, Annual return (%), Duration (years) into Future value, Total invested, Estimated gains, instantly and for free. For instance, with Monthly investment = $200.00, Annual return (%) = 8 and Duration (years) = 10 it returns Future value = $36,833.14, Total invested = $24,000.00 and Estimated gains = $12,833.14.

How to use it

  1. Enter your values: Monthly investment, Annual return (%), Duration (years).
  2. Read the result instantly: Future value, Total invested, Estimated gains.

Frequently asked questions

What does the SIP calculator actually compute?

It takes Monthly investment, Annual return (%) and Duration (years) and derives Future value, Total invested and Estimated gains from them. The calculation is live as you type, so the result updates on every change.

What information do I need to provide?

3 values: Monthly investment ($), Annual return (%) and Duration (years). Nothing else is required — no account, no file upload.

Can you show a worked example?

With Monthly investment = $200.00, Annual return (%) = 8 and Duration (years) = 10, the calculator returns Future value = $36,833.14, Total invested = $24,000.00 and Estimated gains = $12,833.14. Those figures come from running this exact tool, so you can reproduce them by entering the same values.

What happens if I enter larger values?

It moves a lot. Using Monthly investment = $400.00, Annual return (%) = 8.8 and Duration (years) = 20 instead, Future value goes from $36,833.14 to $262,377.17 — which is why it is worth testing a few scenarios rather than trusting a single figure.

What does it give for smaller values?

Scaled down to Monthly investment = $100.00, Annual return (%) = 7.2 and Duration (years) = 5, Future value comes out at $7,239.65. The relationship is worth checking at both ends before you rely on a single result.

When would I actually use this?

Comparing two investments that pay at different times, deciding whether a project clears its cost of capital, and sanity-checking a valuation someone else produced.

What is the most common mistake?

Trusting a valuation without asking what share of it comes from the terminal value. Past 70%, the answer is an assumption about the distant future dressed up as a calculation.

How accurate is it, and what are the limits?

Estimate only — not financial advice.

What is the difference between the SIP calculator and the Crypto DCA calculator?

This one returns Future value and Estimated gains; the Crypto DCA calculator returns Purchases and Coins accumulated. That is the whole difference — open the one whose figure you need.

Is there a tool for the next step?

Fund expense ratio cost calculator is the closest one after this: Estimate the fees an investment fund charges over time from its expense ratio.

Further reading

All guides →
ExplainerWhat Is Dollar-Cost Averaging? A Simple Guide for InvestorsDollar-cost averaging means investing a fixed amount at regular intervals. Learn how it smooths out market volatility and removes the guesswork of timing.ExplainerWhat Is an Index Fund? How Passive Investing WorksAn index fund tracks a whole market instead of betting on winners. Learn how tracking works, why diversification and low fees matter, and how it stacks up against active funds.ExplainerDollar-Cost Averaging: What It Actually Buys YouSpending a fixed amount each period buys more units when the price is low, so your average cost is the harmonic mean of the prices while the average price is the arithmetic mean — always lower, by 4.10 percent on the path worked through here. Against a lump sum, a 200,000-path simulation puts DCA's standard deviation 41 percent lower and its expected terminal wealth $337 lower on $12,000.ExplainerHow Staking Rewards Actually Work: Nominal Rate, Compounding, and What Eats ItAn advertised 8 percent becomes 8.33 percent once daily rewards compound — and then 7.46 percent after a 10 percent validator commission, and less again after unbonding time. Here is each step, with the arithmetic laid out.GuideHow Crypto Tax Is Calculated: The Principles That Apply EverywhereRates differ by country, the mechanics rarely do: a disposal triggers a gain, the gain is proceeds minus cost basis, and staking is income. Here is the calculation and where jurisdictions diverge.ExplainerPresent Value vs Future Value: Why Money in Thirty Years Is Worth About an Eighth of Its FacePV = FV ÷ (1+r)^n. At 7 percent over 30 years the discount factor is 0.131, so a promise of $100,000 in thirty years is worth $13,137 today — and $41,199 if you assume 3 percent instead.