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Projected value
SIP Calculator
A Systematic Investment Plan turns regular monthly investing into a disciplined habit. This SIP calculator estimates how a fixed monthly contribution can grow over a chosen period at an assumed annual return rate. It is widely used for mutual-fund and index-fund planning, and it makes the power of consistent contributions visible in a single projected corpus figure. If you expect to invest more as your income grows, add an annual step-up to raise the monthly amount by a fixed percentage every year.
Please enter valid values. The step-up cannot be negative.
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Total invested
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Estimated growth
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Monthly amount in last year
How to Use the SIP Calculator
- Enter the monthly investment amount you can sustain.
- Set the expected annual return rate and investment horizon in years.
- Optionally enter an annual step-up: the percentage by which you raise the monthly amount each year.
- Calculate the projected corpus, total invested and estimated gains, and test higher or lower return assumptions to understand sensitivity.
Enter your monthly investment, the yearly return you expect and the number of years. If you expect to invest more as your income grows, add an annual step-up: with 5%, a €200 monthly amount becomes €210 in the second year and €220.50 in the third. Pick a currency if you want a different symbol. The result shows the projected value, the total you invested, the estimated growth and the monthly amount in the final year. Run it with a lower and a higher return to see how sensitive the result is.
SIP Calculator Formula Explained
Future Value of a Monthly Annuity, with Optional Annual Step-Up
FV = P × [((1 + r)^n − 1) ÷ r] × (1 + r), where P is the monthly investment, r is the monthly rate (annual rate ÷ 12) and n is the number of months. The formula assumes each contribution is made at the start of the month and that returns compound monthly. Actual mutual-fund returns vary year to year; the rate you enter is an assumption, not a guarantee.
The calculator divides the yearly return by 12 to get a monthly rate. Each contribution is treated as made at the start of its month, so it earns a full month of growth. With a step-up g, the monthly amount in each year is P × (1 + g)^(year − 1). The calculator then adds the months one by one: balance = (balance + payment) × (1 + r). With a 0% step-up this gives exactly the formula above. Fees, taxes and inflation are not included, and the same return is assumed every month. If your fund charges annual costs, enter the return after those costs.
SIP Calculator Example Calculation
Investing €200 every month for 12 years at an assumed 7% annual return builds a larger corpus than the total contributions alone because each instalment compounds. Treating the rate as a cautious assumption—not a promise—keeps long-term plans realistic.
Worked example: enter 200 as the monthly investment, 7% as the return and 12 years. The projected value is €45,201.14. Total invested is €28,800.00 (200 × 144 months), so the estimated growth is €16,401.14. With a 0% return, the projected value would be only €28,800.00. Now add a 5% annual step-up. The monthly amount rises from €200 to about €342.07 in the twelfth year, the total invested becomes €38,201.10 and the projected value €57,583.65, so the estimated growth is €19,382.55.
When to use this tool
Use this for regular investment planning, ETF savings plans, and comparing contribution levels toward long-term goals.
Key Features & Benefits of This SIP Calculator
- Projected value, total invested and growth — all three appear together, so you can see how much of the result is your money and how much is growth.
- Annual step-up — raise the monthly amount by a fixed percentage each year, as many people do when income grows; with 5% the example reaches €57,583.65 instead of €45,201.14.
- Monthly compounding — the yearly return is divided by 12 and each contribution is treated as made at the start of its month.
- Test the return assumption — run a lower and a higher return to see how sensitive the result is.
- Ten currency symbols — including EUR, USD, GBP, CHF and PLN; the maths is the same in each.
- Instant, free and private — runs entirely in your browser, no sign-up, nothing stored.
Good to know
Regular investment plans are often run through fund platforms or ETF savings plans. Fees and taxes on dividends or gains should be considered separately from the growth illustration. Small increases in monthly contributions often matter more than chasing an optimistic return assumption.
SIP Calculator — FAQs
What return rate should I assume?
Many long-term equity planners use 10–12% nominal as a historical reference in some markets, but past performance is not a promise. Conservative estimates reduce disappointment risk.
Does this include expense ratios?
No. If your fund charges annual fees, use a net expected return after expenses for a more realistic projection.
Can I increase the SIP amount later?
Yes. Enter an annual step-up percentage and the calculator raises the monthly amount by that much at the start of each year. For other patterns, such as a one-off jump, run separate periods.
Can returns vary month to month in real SIPs?
Yes — this tool assumes a constant annual return for simplicity; real markets fluctuate, so treat the result as a long-term average estimate, not a guarantee.
What does SIP stand for?
SIP stands for systematic investment plan: a fixed amount invested at regular intervals, usually every month. The same idea is also called a monthly investment plan or an ETF savings plan.
Is a SIP the same as an ETF savings plan?
For planning purposes, yes. Both put a fixed amount into an investment every month, so the same formula applies. The difference is the product you buy and its fees, which this calculator leaves out.
How much can a monthly SIP grow?
It depends on the amount, the return and the time. In the example on this page, investing €200 a month for 12 years at an assumed 7% a year gives about €45,201 from €28,800 invested, so about €16,401 is growth. Real returns vary and are not guaranteed.
What is a step-up SIP?
A step-up SIP raises the monthly investment by a set percentage each year, for example 5%, so the contribution keeps pace with income. Enter that percentage in the annual step-up field. Leave it empty for a constant monthly amount.
Does a step-up make a big difference?
Over long periods, yes. In the example on this page, a 5% annual step-up lifts the 12-year projection from about €45,201 to about €57,584 and the total invested from €28,800 to about €38,201. Most of the increase comes from investing more, so check that you can afford the later amounts.
Sources and review
Sources last checked: . These sources give the background for this calculator. They are general information, not financial advice.
- FCA InvestSmart: Risk and returns: the value of an investment can go down as well as up, so returns are not always positive.