About this sip calculator
Estimate a future balance from a fixed monthly contribution and an assumed annual return. Adjust the amount, number of years, rate, and whether deposits occur at the beginning or end of each month. The result separates contributions from estimated growth, helping you understand the effect of time and assumptions. This is a simplified mathematical illustration. It does not predict any investment’s performance or recommend a product.
How it works
Monthly rate r = annual rate / 12 / 100; n = years × 12. End-month value = P × ((1+r)^n − 1) / r. Beginning-month deposits multiply that result by (1+r). A zero rate returns contributions only.
Try these examples
1,000 monthly, 0%, 10 years
120,000 contributed; 0 growth; 120,000 total
1,000 monthly, 12%, 1 year, month end
12,000 contributed; 682.50 growth; 12,682.50 total
Limitations & privacy
Assumes constant returns with monthly compounding and regular deposits. Excludes taxes, fees, inflation, and market volatility. Returns are not guaranteed. Amounts use your selected currency as a display unit.
Inputs and results stay in this browser. Only tool identifiers are stored for your recently used tools. You can clear that history from the directory.
A few good questions
Does the rate mean a guaranteed return?
No. It is only an assumption for the projection.
When are contributions made?
Choose beginning or end of month. Beginning-month deposits grow for one additional month.
Does this account for inflation?
No. Results are nominal and do not account for changes in purchasing power.
Updated September 12, 2026