SIP Calculator
Model recurring investments with deposit timing, costs, and explicit return assumptions. Review the formula and assumptions before using the result.
Your input never leaves your device.
Loading SIP Calculator...
Everything runs 100% locally in your browser. No files are uploaded to any server.
Formula
Convert the chosen nominal/effective annual rate to a monthly growth rate. Apply contributions at the selected frequency and beginning/end timing, then growth and balance fees. Optional final gain tax applies only to positive modeled gains.
Worked example
Monthly deposits of 5,000 at each month’s beginning, a nominal 12% annual return compounded monthly, and 10 years project about 1,161,695.38 before fees and taxes. Total contributions are 600,000; this assumed return is not guaranteed.
What the result means
Supports an initial amount, contribution timing/frequency, increasing contributions, fees, assumed gain tax, inflation, and user-entered yearly return scenarios. Actual market returns and account tax treatment can differ.
How to Use SIP Calculator
Enter the requested values
Provide the inputs for this sip calculator. Use consistent units where applicable.
Read the projected investment balance
The result recalculates as you edit the inputs.
Check the sip calculator assumptions
Use the sip calculator formula and notes below to understand what is—and is not—included.
Key Features & Benefits
Formula and worked example
Monthly deposits of 5,000 at each month’s beginning, a nominal 12% annual return compounded monthly, and 10 years project about 1,161,695.38 before fees and taxes. Total contributions are 600,000; this assumed return is not guaranteed.
Clear scope
Supports an initial amount, contribution timing/frequency, increasing contributions, fees, assumed gain tax, inflation, and user-entered yearly return scenarios. Actual market returns and account tax treatment can differ.
Frequently Asked Questions
Can I change deposit timing?
Yes. Beginning-of-period deposits start immediately; end-of-period deposits occur only after a full contribution period.
Are returns guaranteed?
No. These are hypothetical assumptions, including comparison scenarios and year-by-year returns you enter.
Are fees and taxes automatic?
No. Enter an annual balance fee and optional final gain-tax assumption; jurisdiction/account rules are not applied.
Key terms
- sip calculator
- Supports an initial amount, contribution timing/frequency, increasing contributions, fees, assumed gain tax, inflation, and user-entered yearly return scenarios. Actual market returns and account tax treatment can differ.