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Projected value
SIP Calculator
A Systematic Investment Plan turns regular monthly investing into a disciplined habit. This SIP calculator estimates how a fixed monthly contribution can grow over a chosen period at an assumed annual return rate. It is widely used for mutual-fund and index-fund planning, and it makes the power of consistent contributions visible in a single projected corpus figure. Figures and examples are oriented toward European users, with euro amounts and metric units where relevant.
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Estimated growth
How to Use the SIP Calculator
- Enter the monthly investment amount you can sustain.
- Set the expected annual return rate and investment horizon in years.
- Calculate projected corpus, total invested and estimated gains.
- Test higher or lower return assumptions to understand sensitivity.
Start with the inputs shown in the calculator and use the units or options that match your situation. Enter realistic values rather than estimates when you have the exact figures available. After you select Calculate, check the displayed result and the supporting breakdown. If you change an input, run the calculation again so the result reflects the updated assumptions. The tool is designed to make the process quick while keeping the underlying steps understandable.
SIP Calculator Formula Explained
Future Value of a Monthly Annuity
FV = P × [((1 + r)^n − 1) ÷ r] × (1 + r), where P is the monthly investment, r is the monthly rate (annual rate ÷ 12) and n is the number of months. The formula assumes contributions are made at the end of each period and that returns compound monthly. Actual mutual-fund returns vary year to year; the rate you enter is an assumption, not a guarantee.
The displayed result depends on the inputs you provide and the calculation method described on this page. Keeping the inputs consistent with the stated units is important because changing a unit, period, rate, date, or percentage can change the result significantly. The calculator performs the arithmetic automatically, while the explanation gives you enough context to understand what is being combined, converted, or compared. For estimates, treat the output as an indication based on your assumptions rather than as a guaranteed real-world outcome.
SIP Calculator Example Calculation
Investing €200 every month for 12 years at an assumed 7% annual return builds a larger corpus than the total contributions alone because each instalment compounds. Treating the rate as a cautious assumption—not a promise—keeps European long-term plans realistic.
This example is meant to show the order of the inputs and the way the final result is reached. In your own calculation, replace the example figures with your actual values and keep the same units throughout. A useful check is to change one input slightly and confirm that the result changes in a sensible direction. That simple check can help catch an incorrect unit, percentage, date, or other assumption before you rely on the result.
When to use this tool
Use this for regular investment planning, ETF savings plans, and comparing contribution levels toward long-term goals denominated in euros.
Key Features & Benefits of This SIP Calculator
- Built for real use — Use this for regular investment planning, ETF savings plans, and comparing contribution levels toward long-term goals denominated in euros.
- Instant, free and private — runs entirely in your browser, no sign-up, nothing stored.
- Formula-accurate — Future Value of a Monthly Annuity FV = P × [((1 + r)^n − 1) ÷ r] × (1 + r), where P is the monthly investment, r is the monthly rate (annual rate ÷ 12) and n is the number of months.
- Works on any device — mobile or desktop, no app or installation needed.
Good to know
Regular investment plans in Europe are often implemented via ETF savings plans or fund platforms. Fees and taxes on dividends or gains should be considered separately from the growth illustration. Small increases in monthly contributions often matter more than chasing an optimistic return assumption.
SIP Calculator — FAQs
What return rate should I assume?
Many long-term equity planners use 10–12% nominal as a historical reference in some markets, but past performance is not a promise. Conservative estimates reduce disappointment risk.
Does this include expense ratios?
No. If your fund charges annual fees, use a net expected return after expenses for a more realistic projection.
Can I increase the SIP amount later?
Yes. Real plans often step up contributions with income growth. You can model that by running separate periods or averaging a higher monthly amount.
Can returns vary month to month in real SIPs?
Yes — this tool assumes a constant annual return for simplicity; real markets fluctuate, so treat the result as a long-term average estimate, not a guarantee.
The FAQs below address common questions about using this SIP Calculator. They also explain assumptions and situations where the result may need additional context. If your situation uses a different rule, local rate, institutional policy, or professional standard, use the relevant source alongside the calculator rather than treating a general estimate as a definitive answer.