SIP & Monthly Investment Calculator
See how a fixed amount invested every month grows over time through compounding — based on long-term stock-market returns for your country. This is the engine behind SIPs, dollar-cost averaging and 401(k)/pension contributions.
Choose your country for local rates
Rates, currency and rules differ everywhere. Open the SIP / monthly investment calculator tuned to your country:
How compounding builds wealth
The future value of a monthly investment is M × ((1+r)n − 1) ÷ r × (1+r), where M is the monthly amount, r is the monthly return and n is the number of months. The magic is compounding: the first ten years feel slow, but the last decade of a long plan does most of the work — which is why starting early beats investing more later.
“SIP” is just automated investing
A SIP (Systematic Investment Plan) is the South-Asian term for what the US calls dollar-cost averaging and Europe calls a savings plan: investing a fixed amount on a schedule regardless of market level. It removes timing risk and turns investing into a habit.
Returns are assumptions, not promises
The default return reflects long-term equity averages for your market — roughly 10% for the US S&P 500, 12% for India's Nifty, less for lower-growth markets. Real returns vary wildly year to year (−20% one year, +30% the next); the projection only holds over long horizons.
Want the full interactive tool?
The homepage version adds amortization schedules, prepay-vs-invest, inflation adjustment and 14 calculators in one place.
Open the full calculator →