Systematic Investment Plan (SIP) Calculator
See how consistent monthly investing builds long-term wealth
SIP Calculator Inputs
US$
Amount you invest each month (e.g., 500)
%
Expected annual growth rate (e.g., 7 for 7%). Historical global equity average is ~7–10% inflation-adjusted.
How many years you plan to invest (1–50)
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 = monthly investment, r = monthly rate (annual rate ÷ 12), and n = total months.
Passo 1: Select your preferred currency and enter the amount you plan to invest each month.
Passo 2: Enter an expected annual return. For global equity index funds, 7–10% is a common historical range. For conservative estimates, use 5–6%.
Passo 3: Set your investment duration in years. Longer periods dramatically increase your final corpus due to compounding.
Passo 4: Click Calculate to see your projected final corpus, total invested, estimated returns, and a year-by-year growth chart.
What Is a Systematic Investment Plan (SIP) and How Does Compounding Work?
A Systematic Investment Plan is a disciplined approach to wealth building: you invest a fixed amount at regular intervals — usually monthly — regardless of market conditions. Rather than trying to time the market, SIP investing uses time in the market as its primary advantage. Each monthly contribution starts compounding immediately, and the returns on earlier contributions generate their own returns in later years, creating an accelerating wealth curve that lump-sum investors often underestimate.
SIP returns compound over time in a way that makes even modest monthly amounts grow into significant wealth. A monthly SIP of $500 at 7% annual return for 20 years produces over $260,000 — on total contributions of just $120,000. The remaining $140,000 is pure compounding. One nuance worth understanding: the sequence of returns matters. Early strong returns in a SIP have a smaller impact than you might expect, because you have little invested yet. Late strong returns matter more. Our sequence-of-returns calculator explores this in depth — an essential complement to any SIP projection.
SIP Investing as a Foundation for Building Net Worth
SIP investing is one of the most reliable foundations for growing net worth over time. Consistent monthly contributions remove the behavioural risk of trying to invest "at the right time," and the automatic nature of a SIP creates a forced saving habit that builds wealth almost invisibly. Worthmap is a global net worth calculator and global investment tracker where you can track your actual portfolio alongside SIP projections — seeing the gap between your real holdings and your target corpus is one of the most motivating signals an investor can have.
Once you have established SIP discipline, the natural next step is portfolio rebalancing — ensuring your asset allocation stays aligned with your target mix as different asset classes grow at different rates. Our portfolio rebalancing calculator shows exactly what to buy and sell to realign your portfolio — a critical step that most SIP investors skip.
Tracking SIP Progress Across Currencies with Worthmap
For expats and digital nomads managing money across borders, a SIP in one currency while living in another introduces a layer of FX complexity that most calculators ignore. Worthmap functions as a multi-currency investment monitoring app that consolidates your SIP investments — whether in USD index funds, EUR bonds, or SGD equities — into a single net worth view with real-time conversion. This gives you a realistic picture of your SIP progress regardless of which market you are investing in or which currency you are currently earning in.
As a global finance app and asset tracker online, Worthmap is built specifically for investors who operate across multiple currencies and jurisdictions. The SIP calculator above supports 14 currencies because SIP investing is not just an India-specific concept — it is the global name for systematic, disciplined, recurring investing, practiced by expats and long-term investors worldwide.
SIP Investing vs Budgeting Apps: Why Globally Mobile Investors Need More
Many investors start their financial journey with a budgeting app. But traditional budgeting tools — including many YNAB alternatives — are built around single-currency household finances. They track cash flow well but struggle with multi-currency portfolios, international brokerage accounts, and cross-border investments. Many users who come to Worthmap are specifically looking for a YNAB alternative that handles international accounts and multi-currency portfolios. For globally mobile investors running a SIP across different markets and currencies, Worthmap is a better fit: it is built for investment tracking, not just budgeting, and handles the FX complexity that makes standard tools inadequate.
Linking SIP Consistency to Financial Independence Goals
Staying consistent with SIP investing requires a clear target to work toward. If you do not know what your financial independence number is, it is easy to treat a SIP as abstract — just numbers growing somewhere. Worthmap's barista FIRE calculator can help you understand what your target corpus actually needs to be — linking SIP discipline to a concrete financial independence goal. Once you know your number, every monthly SIP contribution becomes a measurable step toward a specific milestone, not just a vague saving habit.
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 your total corpus, total invested, and the estimated returns generated by compounding.
In a SIP, the sequence of returns has a different effect than in lump-sum investing. Early strong returns matter less because you have little capital invested yet — most of your contributions come later. Late strong returns matter more because they apply to a large accumulated balance. This means a SIP investor experiences less sequence-of-returns risk than a retiree drawing down a lump sum, but it also means a bad early decade has less long-term damage than it might appear. The total return is what matters most, which is why this calculator focuses on average annual return rather than year-by-year scenarios.
Yes. Worthmap consolidates investment accounts, brokerage holdings, and assets across multiple currencies into a single net worth dashboard with real-time FX conversion. If you have a SIP running in USD index funds, a separate EUR bond portfolio, and equity holdings in SGD, Worthmap aggregates all of them and shows your total net worth in whichever base currency you choose. This is essential for expats and digital nomads whose SIP may be denominated in a different currency from their current income or expenses.
Lump-sum investing deploys all available capital at once, maximising time in the market from day one. SIP investing spreads capital over time in regular instalments. Research consistently shows lump-sum investing outperforms SIP in roughly two-thirds of historical market scenarios, because more capital is exposed to compound growth sooner. However, SIP excels in behavioural terms — it removes the pressure of timing the market, is easier to maintain consistently, and is the only realistic approach for investors who are building capital incrementally from earned income rather than deploying a windfall.
Worthmap connects to your investment accounts and brokerage platforms to track all your holdings in real time. For SIP investors, the key feature is comparing your actual portfolio value against the projected corpus from your SIP plan. You can model your target using this calculator, then track progress inside Worthmap — seeing the gap between your real holdings and your projected corpus motivates consistent monthly contributions. The multi-currency dashboard is particularly valuable for investors running SIPs across different markets.
For expats and globally mobile investors, Worthmap is a better fit than YNAB and similar budgeting-first tools. YNAB excels at single-currency cash flow management. Worthmap focuses on net worth: tracking assets, investments, and liabilities across currencies. If you have international brokerage accounts, a SIP in one currency, savings in another, and income in a third, Worthmap consolidates everything — including real-time FX conversion. Many expats specifically look for a YNAB alternative that handles multi-currency portfolios, and Worthmap is designed exactly for that use case.
A SIP builds your portfolio steadily over time, but different asset classes grow at different rates — meaning your allocation drifts away from your target mix. If you started with a 70/30 equity/bond split and equities have outperformed, your portfolio may now be 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 preventing any single asset class from dominating your portfolio. Annual or semi-annual rebalancing is the typical approach for SIP investors.
Track Your Real SIP Progress with Worthmap
Projections are the starting point. Worthmap is the asset tracker online and investment monitoring app built for expats and digital nomads — consolidating your SIP portfolio, international accounts, and multi-currency holdings into one real-time net worth dashboard.
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