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Investments · Calculator 014

SIP Calculator

Estimate the future value of equal end-of-month contributions under a constant assumed annual return.

Calculation, not advice. Results are illustrative and depend entirely on the values entered.

Reviewed by the LikeOptions Editorial Team · Methodology in how the calculation works below

Worked exampleContributing ₹10,000 at each month-end for 10 years under an assumed 10% annual rate produces an illustrative future value, not a forecast.

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Enter sip calculator assumptions

₹
%
years
02

SIP Calculator estimate

Illustrative

Estimated future value

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Based on the assumptions entered

Relative magnitude of displayed valuesNegative values use absolute height
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Paste this on your own page. It runs entirely client-side and links back to the full calculator.

Important: This simplified estimate may exclude taxes, fees, timing differences, changing rates and other real-world conditions.

The concept

Modelling systematic contributions

A systematic investment plan calculation shows how equal recurring contributions interact with an assumed rate and time.

Actual investment returns vary, contributions can be missed, and fees or tax can change outcomes.

The method

How to calculate estimated future value

The entered annual rate is converted to a monthly rate. An ordinary-annuity formula values equal contributions made at the end of each month.

FV = PMT × [(1+r)ⁿ−1] / r

PMT is the end-of-month contribution, r is the monthly assumed rate and n is the contribution count.

Worked example

SIP Calculator example

Contributing ₹10,000 at each month-end for 10 years under an assumed 10% annual rate produces an illustrative future value, not a forecast.

This example explains the method. It does not recommend a financial action or predict an outcome.

Frequently asked

SIP Calculator questions

Are contributions assumed at the start or end of each month?

At the end of each month.

Is the return guaranteed?

No. It is entirely user supplied.

Are fees and tax included?

No.