Investments

Instant, private, and free

SIP Calculator.

Recurring investment growth with compounding

On-device calculationNo signup
01

Set your values

Results update as you type.

Investment details

Summary

Total invested: $600,000.00

Total invested

$600,000.00
Estimated returns: $561,695.38

Estimated returns

$561,695.38
Total value: $1,161,695.38

Total value

$1,161,695.38

Because each contribution keeps earning returns on the returns before it, the gap between what you invest and what you end up with widens the longer you stay invested.

Cite this calculator

Canonical URL: https://mathify.one/en/investment/sip

Cite as: Mathify. (2026). SIP Calculator. https://mathify.one/en/investment/sip

Use Cases

Plan for long-term goals

Estimate how much your monthly savings could grow over time, helping you set realistic contribution targets for future needs like education or retirement.

Example: Invest $500 monthly at 10% for 20 years to see potential growth.

Compare investment scenarios

Adjust the rate or duration to compare different market conditions or investment strategies, aiding in decision-making.

Example: Compare 8% vs 12% returns over 15 years.

Frequently Asked Questions

How does the SIP calculator work?
It uses the future value of a series formula, compounding your monthly investment at the given annual rate over the specified years. It assumes the rate stays constant and contributions are made at the end of each month.
What does the 'rate' field mean?
The 'rate' is the expected annual return on your investment, expressed as a percentage. For example, if you expect 12% per year, enter 12. The calculator compounds this monthly.
Can I change the investment amount or duration?
Yes, you can adjust the 'amount' (monthly contribution in dollars), 'rate' (annual return %), and 'years' (investment period) to see how different scenarios affect your future value.

Tips & Common Mistakes

Tips

  • Start early to benefit from compounding over more years.
  • Use a conservative rate to account for market fluctuations.
  • Increase your monthly amount periodically to boost your final corpus.
  • Review your SIP plan annually to stay on track.

Common Mistakes to Avoid

  • Entering the annual rate as a decimal (e.g., 0.12 instead of 12).
  • Assuming the rate is guaranteed; it's an estimate, not a promise.
  • Ignoring inflation when interpreting the future value.

Last updated: August 13, 2026