Free Investment Calculator
See what regular monthly investing can become. Enter your monthly SIP amount, expected annual return and time horizon to get the projected future value, total invested, estimated gains and a year-by-year growth table.
How to Use the Investment Calculator
- Enter your monthly investment amount.
- Enter the expected annual return and time horizon.
- Click Project Growth for future value and the yearly table.
Features
Uses the standard SIP future-value formula with monthly compounding, then builds a yearly table showing invested vs portfolio value so you can watch compounding accelerate.
Benefits & Use Cases
Long-term investors compare SIP amounts and return assumptions, and beginners visualize why starting early matters more than timing the market.
Tips
Expected returns are guesses, not guarantees — markets fluctuate. Run a conservative (e.g. 8%) and optimistic scenario to bracket reality.
Frequently Asked Questions
What is a SIP?
A Systematic Investment Plan: investing a fixed amount monthly, which smooths market ups and downs over time.
How is SIP future value calculated?
FV = M × (((1+r)ⁿ − 1) / r) × (1+r), with monthly rate r over n months.
Are the returns guaranteed?
No — projections assume a steady return; actual market investments vary year to year.
What return should I assume?
Long-term diversified equity has historically returned ~7–10% annually, but use conservative figures for planning.
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