SIP calculator
Estimate what a monthly SIP could be worth at the end of your investment period, and how much of that is your own capital versus compounded returns.
How the maths works
A SIP is a fixed amount invested at a regular interval. Each instalment compounds for however long it stays invested, so the earliest contributions do the heaviest lifting. The calculator uses the standard future-value-of-an-annuity-due formula:
FV = P × ((1 + i)^n − 1) / i × (1 + i)Here P is the monthly instalment, i is the monthly rate (your annual rate divided by twelve), and n is the number of months. The final (1 + i) accounts for each instalment being invested at the start of its month rather than the end.
What it can't tell you
It assumes a constant rate of return, which no real market provides. Actual returns arrive unevenly, and the order in which good and bad years fall changes the outcome. Treat the result as an illustration of compounding, not a forecast — and not as investment advice.