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Systematic Investment Plan Projection
Projects end-of-month monthly contributions at a constant user-entered annual rate.
Limitation: Educational investment projection only—not investment advice, a fund illustration, or a forecast.
How to Use the SIP Calculator
Set a monthly contribution and compare several return assumptions.
Select a display currency.
Test a range
A constant return smooths volatility and is not a market forecast.
What a SIP Projection Means
The model adds a fixed amount at each month end and compounds the balance at a fixed monthly rate derived from your annual assumption.
SIP Examples
Zero-return saving plan
Monthly assumptions
Projected value
Twenty-four $100 contributions produce no mathematical growth at a zero rate.
Returns vary
Do not use one scenario as a guarantee or recommendation.
Frequently Asked Questions
Still have questions about this calculation?
Try the CalculatorSIP Future-Value Formula
This is an ordinary monthly annuity calculation.
Formula
Monthly update
Bₖ = Bₖ₋₁(1 + r/12) + C
Contribution total
C × 12 × years
Scientific Background
Investor.gov describes compound interest and investment risk. This deterministic model uses only the entered rate.
Sources & review
SIP Calculator documents the references behind its formulas and assumptions. Always treat results as educational estimates, not personalized professional advice.
Last reviewed
August 2, 2026
Digital assets investing basics
U.S. Securities and Exchange Commission — Investor.gov
https://www.investor.gov/introduction-investing/investing-basics/what-is-compound-interest
See our methodology and corrections policy.