See how a starting amount and regular monthly contributions could grow over time under a hypothetical annual return assumption. Keep contributions, estimated growth, and future value in view.
Use the controls to model a monthly investment plan. The calculator uses a periodic compounding model and updates the results from your inputs.
A transparent estimate of what the selected contributions and hypothetical return could produce over the selected period.
How the balance builds across the investment period.
Contributions and modeled investment growth.
| Year | Contributions | Estimated growth | Ending balance |
|---|
A SIP, or Systematic Investment Plan, is a recurring investment approach. The model below separates what you contribute from the hypothetical growth generated by the assumed return.
The initial investment is compounded from the start. Monthly contributions are added at the selected timing and grow using a periodic rate derived from the annual return and selected compounding frequency.
For monthly compounding, the periodic rate is the annual rate divided by 12. For other frequencies, the annual return is converted to an effective periodic rate and applied across the monthly timeline. Display values are rounded only after calculations are complete.
Potential benefits: consistent investing, disciplined contributions, easier budgeting, and the possibility of long-term compounding.
Important trade-offs: market risk, uncertain returns, inflation, fees, taxes, and the possibility that fixed contributions may not fit every situation. Historical performance cannot guarantee future results.
Systematic Investment Plan is a way to invest a set amount on a recurring schedule. As contributions remain invested, returns may themselves generate additional growth. A longer period can materially change the projection because growth has more time to compound.
The result is only an estimate because actual investments fluctuate and the return assumption may differ substantially from realized performance. Consider inflation, fees, taxes, risk tolerance, liquidity needs, and your specific goals separately.
Increasing the monthly amount adds capital directly. Extending the period gives existing contributions more time to participate in hypothetical growth. Which lever matters more depends on the return assumption, starting point, goal, and your ability to maintain the plan.
Clear answers to common questions about monthly investment plans and projected growth.
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