Free SIP Calculator (Systematic Investment Plan)
See what investing the same amount every month could come to
Your SIP plan
Free · No sign-up · Updates as you type
US$
e.g. 500.
Optional. These are rough assumptions to start from, not a forecast and not what you will earn. The one you choose fills the field below, and you can still change it.
In percent, e.g. 7 for 7% a year. Counted monthly: the yearly return you expect divided by 12, money added at the start of each month.
Whole years, from 1 to 50, e.g. 15.
Optional refinements
In percent, e.g. 10 if you raise the monthly amount 10% every year. Put 0 if it stays the same.
In percent, e.g. 3. Used to show what the amount you end up with would buy at today's prices.
What you would end up with
US$ 261,983
after 20 years
US$ 120,000 of that is money you put in yourself. The other US$ 141,983 is growth.
Your money vs the growth on top
Money you put in
Growth
The numbers behind that
Money you put in
US$ 500 a month for 20 years.
US$ 120,000
Growth on top of that
54.2% of what you would end up with. It comes from 7.0% a year, counted every month, on money that goes in at the start of each month.
US$ 141,983
What would change the result
Click an option to jump to the field you would change.
- Keep going 5 more years, 25 years in all, and you would end up with US$ 407,399: US$ 145,416 more, of which US$ 30,000 is extra money from you.
- Every extra US$ 100 a month adds US$ 52,396 to what you would end up with after 20 years: US$ 24,000 of it is the money itself, the rest is growth.
- The return is a guess. At 6.0% a year you would end up with US$ 232,176; at 8.0% a year, with US$ 296,474.
This is the amount you would see on the statement after 20 years, not what it will buy, because prices rise in the meantime. Type the inflation you expect in the last field to see it at today's prices.
Portfolio Growth Over Time
What you would have
Money you put in
Year-by-Year Breakdown
| Year | You put in | Growth | Total |
|---|---|---|---|
| 1 | US$ 6,000 | US$ 232 | US$ 6,232 |
| 2 | US$ 12,000 | US$ 915 | US$ 12,915 |
| 3 | US$ 18,000 | US$ 2,082 | US$ 20,082 |
| 4 | US$ 24,000 | US$ 3,766 | US$ 27,766 |
| 5 | US$ 30,000 | US$ 6,005 | US$ 36,005 |
| ... | |||
| 16 | US$ 96,000 | US$ 81,162 | US$ 177,162 |
| 17 | US$ 102,000 | US$ 94,201 | US$ 196,201 |
| 18 | US$ 108,000 | US$ 108,617 | US$ 216,617 |
| 19 | US$ 114,000 | US$ 124,508 | US$ 238,508 |
| 20 | US$ 120,000 | US$ 141,983 | US$ 261,983 |
Insight: Look at the growth column: it gets bigger every year, because growth is earned on money that has already grown. The earlier you start, the longer that has to work.
What you would end up with: return against years
A SIP result swings most on two things you do not fully control: the return you actually earn and how long you stay invested. This grid works out what you would end up with across a range of both, keeping your monthly amount and yearly increase fixed. Your current pick is highlighted, so you can see the trade-off without retyping anything.
| Return ↓ / Years → | 10y | 15y | 20y | 25y | 30y |
|---|---|---|---|---|---|
| 4.0% | US$ 73,870 | US$ 123,455 | US$ 183,999 | US$ 257,922 | US$ 348,181 |
| 5.5% | US$ 80,119 | US$ 140,012 | US$ 218,812 | US$ 322,490 | US$ 458,900 |
| 7.0% | US$ 87,047 | US$ 159,406 | US$ 261,983 | US$ 407,399 | US$ 613,544 |
| 8.5% | US$ 94,736 | US$ 182,175 | US$ 315,720 | US$ 519,684 | US$ 831,199 |
| 10.0% | US$ 103,276 | US$ 208,962 | US$ 382,848 | US$ 668,945 | US$ 1,139,663 |
The highlighted cell is your plan. Read along its row to see what more or fewer years do, and down its column to see what a different return does.
A Systematic Investment Plan (SIP) is a strategy of investing a fixed amount at regular intervals, typically monthly. This calculator uses the future value of an annuity-due formula, which assumes each payment is made at the beginning of the period and immediately starts compounding:
FV = PMT × [((1 + r)^n − 1) / r] × (1 + r)
Where PMT = the monthly amount, r = the monthly rate (the yearly return you expect ÷ 12), and n = the number of months. When you set a yearly increase, the calculator raises PMT once a year and adds up the result month by month.
Step 1: Pick your currency and enter the amount you plan to invest each month.
Step 2: Type the yearly return you expect. Nobody knows the future return, so try several. As a guide to the past only: the UBS Global Investment Returns Yearbook 2025 puts US shares at 9.7% a year from 1900 to 2024 and US bonds at 4.6% a year, while inflation ran at 2.9% a year. Neither return has inflation taken off.
Step 3: Choose how many years you keep going. More years raise what you would end up with sharply, because the growth itself keeps growing.
Step 4: Optionally add a yearly increase or an inflation rate. What you would end up with, the breakdown, growth chart, table, and grid all update as you type. No button to press.
What Is a Systematic Investment Plan (SIP) and How Does Compounding Work?
A Systematic Investment Plan means investing a fixed amount at regular intervals, usually monthly, whatever the market is doing. You do not try to pick the right moment. If the investments earn a return, the growth on earlier contributions earns growth of its own in later years, which is why the curve in the chart above gets steeper with time. Nothing guarantees that return: prices can fall, and you can end up with less than you put in.
In this calculator, 500 a month at a 7% yearly return for 20 years comes to roughly 262,000, of which 120,000 is money you put in. The other 142,000 or so is growth, and it is there only if that return is actually earned. The order of the returns matters too. Strong returns early in a SIP have a smaller effect than you might expect, because you have little invested yet. Strong returns late matter more. To see how much the order matters, use this tool: sequence-of-returns calculator.
What a Yearly Increase Does to a SIP
A flat SIP keeps the same monthly amount for decades, but your income rarely stays flat. A SIP with a yearly increase, often called a step-up SIP, raises the contribution by a set percentage every year, often to match a pay rise, so your investing grows with your earning power. The effect is larger than most people expect. Because each yearly increase is invested for all the remaining years, a 5% yearly increase on a 20-year plan can lift what you end up with well above what a flat SIP gives at the same starting amount. The optional yearly increase field above lets you test this directly: set it to your expected raise and watch the result and the year-by-year table respond.
SIP Investing as a Foundation for Building Net Worth
A SIP is a common way to build up investments over time. A fixed monthly contribution takes away the question of when to invest, and because it runs automatically it works as a saving habit. It does not remove market risk: what the money is worth still goes up and down. In Worthmap's free net worth tracker you can record your actual portfolio and follow your net worth over time, then compare it with the projection from this calculator. Seeing the gap between what you hold today and the amount you are aiming for can help you stay on course.
Once you have established SIP discipline, the natural next step is portfolio rebalancing: keeping your asset allocation aligned with your target mix as different asset classes grow at different rates. To see what to buy and sell to realign your portfolio, use this tool: portfolio rebalancing calculator.
Tracking SIP Progress Across Currencies with Worthmap
For expats and digital nomads managing money across borders, running a SIP in one currency while living in another adds a layer of FX complexity that most calculators ignore. In Worthmap's free net worth tracker you record your SIP investments in the currency you hold them in, whether USD index funds, EUR bonds or SGD equities, and see them in a single net worth figure in the base currency you choose. That gives you a realistic picture of your SIP progress whichever market you invest in and whichever currency you earn in.
As a global finance app and online asset tracker, Worthmap is built for investors who operate across multiple currencies and jurisdictions. The SIP calculator above supports many currencies because SIP investing is not just an India-specific idea. It is the global name for systematic, disciplined, recurring investing, practised by expats and long-term investors worldwide.
SIP Investing vs Budgeting Apps: Why Globally Mobile Investors Need More
Many investors start with a budgeting app. But traditional budgeting tools, including many YNAB alternatives, are built around household cash flow in one currency, not around multi-currency portfolios, international brokerage accounts and cross-border investments. If you run a SIP across different markets, a net worth tracker may fit better: in Worthmap you record your investments and accounts in each currency and see the total in one base currency you pick.
Linking SIP Consistency to Financial Independence Goals
Staying consistent with a SIP is easier when you have a clear target to work toward. Without a financial independence number, it is tempting to treat a SIP as abstract, just figures growing somewhere. Once you know your number, every monthly contribution becomes a measurable step toward a specific milestone rather than a vague saving habit. To work out how much you actually need to end up with, use this tool: FIRE number calculator.
Frequently Asked Questions About the SIP Calculator
A SIP calculator projects the future value of regular monthly investments by applying compound interest. You enter your monthly investment amount, expected annual return rate, and investment duration. The calculator applies the future value of an annuity-due formula, FV = PMT × [((1 + r)^n − 1) / r] × (1 + r), where r is the monthly rate and n is the total number of months. The result shows what you would end up with, how much of it is money you put in, and how much is growth.
A SIP with a yearly increase, often called a step-up SIP, raises your monthly contribution by a fixed percentage every year, usually in line with your salary growth. Because each yearly increase is then invested for the rest of the term, a modest yearly increase can lift what you would end up with substantially. The optional yearly increase field in this calculator lets you compare a flat SIP against one that grows over time, without doing the maths by hand. Set it to your expected annual pay rise to get a realistic projection.
Yes, if you fill in the optional inflation field. The headline figure is the actual amount of money you would hold at the end, before inflation. Inflation quietly reduces what that amount can buy. Enter the average inflation you expect and the calculator also shows what that amount would buy at today's prices. Comparing the two numbers is a useful reality check, because a large amount decades from now buys less than the same figure does today.
Lump-sum investing puts all the money in at once, so all of it is invested from day one. A SIP puts it in bit by bit. A 2012 Vanguard study of the United States, the United Kingdom and Australia found that investing everything at once beat spreading it over 12 months in about two thirds of past periods, and a 2023 Vanguard update found the same in more markets. That comparison only matters if you already hold the whole sum. If you invest from your pay as it comes in, a SIP is simply how you invest, and it spares you from choosing the right moment.
Yes. In a free Worthmap account you record each holding in its own currency: a SIP in USD index funds, a EUR bond portfolio, equities in SGD. The tracker shows your total net worth in whichever base currency you choose, with a chart of how it changes over time. This matters for expats and digital nomads whose SIP may be in a different currency from their income or expenses. The free plan is in beta.
A SIP builds your portfolio steadily over time, but different asset classes grow at different rates, so your allocation drifts away from your target mix. If you started with a 70/30 equity to bond split and equities have outperformed, your portfolio may now sit at 80/20 or higher. Rebalancing restores your target allocation, which has two benefits: it enforces a systematic "buy low, sell high" discipline (you trim what has grown and add to what has lagged), and it manages risk by stopping any single asset class from dominating. Annual or semi-annual rebalancing is the typical approach for SIP investors.
Track Your Real SIP Progress with Worthmap
Projections are the starting point. With a free Worthmap account, you can record your SIP holdings and the rest of what you own, each in its own currency, and see your net worth in one base currency over time. The free plan is in beta.
Create free accountBuilt & maintained by Worthmap · Last updated October 2, 2026
Educational use only. This tool provides estimates for informational purposes and does not constitute financial, investment, tax, or legal advice. Results are based on inputs you provide and mathematical models, they do not guarantee future performance. Always consult a qualified financial adviser before making investment decisions.