Project what a fixed monthly investment could grow into, see how much of the final corpus is your own money versus compounding, and download the year-by-year detail.
Step 1
Enter your monthly investment
The amount you plan to invest on the same date every month, without missing instalments.
Step 2
Set an expected return
Use a long-run annual average for the asset class you are investing in, not last year's return.
Step 3
Choose your horizon
Longer horizons let compounding do more of the work, so try a few durations to compare.
Projected corpus
$208,962
After 15 years of monthly investing (180 instalments).
Total invested
$90,000
180 instalments of $500.
Estimated returns
$118,962
A SIP is an annuity due: each instalment is invested at the start of the month and then compounds for every month that follows. The earliest instalments therefore do the most work.
M = P × ((1 + i)ⁿ − 1) ÷ i × (1 + i)Maturity value
The projected corpus.
Monthly investment
The amount invested each month.
Monthly return rate
The expected annual return divided by 12 and by 100. A 12% annual return gives i = 0.01.
Number of instalments
The horizon in months, so 10 years is n = 120.
The trailing (1 + i) reflects investing at the start of each month. Total invested is simply P × n, and estimated returns are M − (P × n). When the expected return is zero the formula collapses to P × n.
Answers about the sip calculator.
Continue exploring adjacent tools in this topic.
Background reading on the ideas behind these numbers.
For most people the question answers itself, because a SIP is simply what investing a salary looks like. The genuine dilemma arrives when a large sum lands at once — and there the arithmetic and the behavioural answer point in different directions.
The arithmetic of long-horizon investing is lopsided: the final decade of a thirty-year plan produces more wealth than the first twenty years combined. Here is why duration beats cleverness, and what that means for when you start.
This tool is provided for educational purposes only. Results are estimates based on the values you enter and do not constitute financial advice.