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Projects SIP wealth from monthly amount, expected return, years and timing. Use when planning recurring fund contributions; differs from compound-interest-calculator by monthly deposits vs lump sum. Returns maturity value, invested total and chart. 100% client-side.
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Estimates the future value of a Systematic Investment Plan (SIP) — equal monthly amounts invested at a projected annual return. Breaks the result into the amount invested versus the estimated returns earned, and lets you adjust the contribution, rate, and duration to compare scenarios.
SIPs are the standard way most people invest in mutual funds. The growth curve from fixed monthly contributions is unintuitive, so a calculator turns the recurring-investment formula into an easy-to-read maturity value and shows how much of it is your own money.
This tool is part of the DevStackIO platform — a collection of free online developer tools from DevStackIO. Browse more free developer resources on DevStackIO.
Mutual fund investors, first-time investors planning monthly deposits, salary earners automating savings, and anyone comparing SIP amounts or durations for a financial goal.
Enter your monthly investment amount
Set the expected annual return rate in percent
Choose how many years you will keep investing
Read the matured value, total invested, and estimated returns
Adjust the monthly amount to find a contribution that reaches your goal
Optionally switch contribution timing to match when your SIP is debited
$5,000/month at 12% for 10 years → ~$1.14M matured, of which ~$600,000 is invested$2,000/month at 10% for 15 years → ~$829,000 matured, of which ~$360,000 is invested$1,000/month at 8% for 20 years → ~$589,000 matured, of which ~$240,000 is invested$5,000/month at 12% for 20 years → ~$4.95M matured vs. ~$1.2M invested — returns dwarf contributionsDoes this tool support multiple currencies?
Yes, select your currency from the dropdown. All calculations run locally in your browser.
Is the SIP projection guaranteed?
No, returns are assumed and can be lower or higher.
Can I use this for non-mutual-fund investing?
Yes, the math is the same for any monthly-return plan.
Does it account for fund charges?
No, expense ratios and taxes are not included.
Is my data sent anywhere?
No, everything runs locally in your browser.
What is contribution timing?
It controls whether each contribution is invested at the start or end of the month; start-of-month matches how most SIPs are debited.
Should I stop my SIP when markets fall?
Historically, staying invested through downturns has been key to capturing long-term equity returns.
Authoritative specifications, standards, and in-depth reading for SIP Calculator.
Matured value
$1,161,695.38
Invested
$600,000.00
Est. returns
$561,695.38
Not financial advice
The results from this calculator are provided for general informational and educational purposes only. They are estimates based on the assumptions you enter and do not constitute financial, tax, legal, or investment advice, nor a recommendation to buy, sell, or hold any financial product. Tax codes, rates, and regulations change frequently and vary by country, state, and local jurisdiction — and may differ based on your individual circumstances, employer plan rules, and provider policies. Always verify the figures with current official sources and consult a qualified financial, tax, or legal professional before making any financial decision. All calculations run privately in your browser; nothing you enter is sent to our servers.
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