SIP / Recurring Investment
Project SIP maturity in any currency — monthly investment, expected return, invested-vs-gains chart & yearly schedule. Free MyCalcsWorld SIP planner (illustrative).
Results · USD
Future value
- Total invested
- $90,000.00
- Estimated gains
- $162,288.00
Growth chart· 15 years
Swipe chart horizontally if needed →
Educational estimates · not financial advice · free, no signup
How this was calculated
SIP future value uses the standard annuity compound formula with monthly rate r = annual%/12/100 and n = years×12. USD worked illustration (matches Try example / catalog defaults): monthly $500 at 12% for 15 years → n = 180, r = 0.01. Total invested = $90,000; illustrated maturity ≈ $249,790 at a steady 12% (live panel is authoritative). Markets are not a straight line — treat as educational. Shorter check: $500/month at 12% for 10 years → invested $60,000; maturity ≈ $115,019 at a constant 12%.
Want more detail? Full formula notes & FAQs ↓
Detailed guide
What it is, how to use it, how to read the numbers, common mistakes, a worked example, formulas, and FAQs.
What this calculator is
A Systematic Investment Plan (SIP) invests a fixed amount every month — the model behind mutual-fund SIPs and global dollar-cost averaging. MyCalcsWorld’s SIP Calculator projects maturity at a constant assumed return, plots invested amount vs portfolio value year by year, and pairs with CAGR and inflation tools for realism. Enter monthly investment, expected annual return, and years. Default demo scale is $500/month at 12% for 15 years (catalog defaults). Returns are not guaranteed; equity SIPs can be volatile. Format money with the currency picker (USD, EUR, GBP, INR, AED, and more). Related MyCalcsWorld tools: Compound Interest (lump-sum + optional deposits + APY), Loan / EMI and Mortgage when you are sizing debt payments on the other side of the ledger. Illustrative only — not investment advice.
When to use / who it helps
- Planning a new SIP or raising an existing monthly contribution.
- Comparing 10 vs 15 vs 20 year horizons before you commit.
- Explaining invested-vs-gains to family with a simple growth chart.
- Stress-testing a lower expected return so the goal still feels honest.
- Pairing with the inflation adjuster to think in today’s purchasing power.
How to use
Steps
- Enter Monthly investment — demo default is 500 (scale to your plan).
- Set Expected annual return (%) — many long-term equity planners explore 8–12% for illustration only.
- Choose Years for the horizon.
- Read Future value, Total invested, and Estimated gains.
- Skim the growth chart (portfolio vs invested) year by year.
- Re-run at a lower return to see whether the goal still holds.
How to interpret results
- Maturity value is an illustration at a constant assumed return — real NAVs fluctuate.
- Invested amount is monthly SIP × months.
- Estimated gains = maturity − invested under that assumption.
- The chart’s smooth curve is educational, not a promise of path.
- Not investment advice — verify with a prospectus and a qualified advisor when stakes are high.
Common mistakes & gotchas
- Using last year’s hot return as a guaranteed future rate.
- Forgetting expense ratios, exit loads, and taxes that real funds deduct.
- Mixing SIP maturity math with lump-sum CAGR without adjusting contributions.
- Ignoring that equity SIP paths are volatile — the chart is a smooth illustration.
- Treating display currency as an FX conversion of foreign holdings.
Worked example
Worked example — $500/month SIP at 12% for 15 years
- Monthly P = $500; annual return 12% → monthly r = 0.01; n = 180.
- Total invested = 500 × 180 = $90,000.
- Future value of the annuity compounds each contribution to the horizon ≈ $249,790 at a steady 12%.
- Estimated gains ≈ $159,790 under that assumption (live panel rounding wins).
- Enter 500 / 12 / 15 to mirror results; currency picker only changes display symbols.
- Optional: re-run at 8% to stress-test a weaker return path before you commit.
Result: Invested $90,000; illustrated maturity ≈ $250k at a steady 12% — markets will not be a straight line.
Want these demo numbers in the form? Tap Try example above the Calculate button.
How to calculate / formula
SIP future value uses the standard annuity compound formula with monthly rate r = annual%/12/100 and n = years×12. USD worked illustration (matches Try example / catalog defaults): monthly $500 at 12% for 15 years → n = 180, r = 0.01. Total invested = $90,000; illustrated maturity ≈ $249,790 at a steady 12% (live panel is authoritative). Markets are not a straight line — treat as educational. Shorter check: $500/month at 12% for 10 years → invested $60,000; maturity ≈ $115,019 at a constant 12%.
Frequently asked questions
What is a SIP calculator used for?
It projects how regular monthly investments might grow at an assumed rate — useful for goal planning in any currency, not a promise of returns.
Can I plan SIPs in different currencies?
Yes. Choose USD, EUR, GBP, INR, AED, or another supported code in the currency picker. The formula is currency-agnostic.
What return rate should I enter for equity SIPs?
Many planners illustrate 10–12% p.a. for diversified equity over long periods. Debt funds are typically lower. Past performance does not guarantee future results.
Does this include expense ratios or exit loads?
No. Fund expenses and taxes reduce real outcomes. Treat the result as a pre-expense, pre-tax estimate — or lower the assumed return to approximate drag.
Is SIP better than a lump sum?
SIP averages purchase cost over time and builds a habit; lump sum can do better if markets rise after you invest. Compare with the Compound Interest calculator for a starting principal plus optional deposits.
Can I model step-up SIPs?
This page assumes a fixed monthly amount. For rising contributions, run scenarios at higher monthly amounts or approximate an average contribution.
How is this different from Compound Interest?
SIP is contribution-first monthly investing. Compound Interest emphasizes a starting principal, compounding frequency, APY, time to double, and optional deposits — open both when comparing lump-sum vs SIP.
Is this investment advice?
No. Educational illustration only. Speak with a qualified advisor and read scheme documents before investing.
What does the SIP / Recurring Investment on MyCalcsWorld actually compute?
Project SIP / recurring investment maturity with invested-vs-portfolio chart — useful for mutual funds and global DCA. You enter Monthly investment (money), Expected annual return (%), Years (years), and the result panel updates in your browser — free, no signup. Below the form you will find when-to-use tips, common mistakes, a worked example, formula notes, and FAQs for this tool.
Questions about this tool? Contact MyCalcsWorld · mycalcsworldcontact