Monthly Investment Calculator
See how a recurring monthly investment (also known as SIP) compounds over time. Works with any currency. No sign-up.
Your numbers
Result
Indicative only. Mutual fund returns are not guaranteed; past performance does not predict future returns.
How the calculator works
A monthly investment (called SIP in some markets) is a recurring deposit into a mutual fund, ETF or similar instrument. The calculator projects future value using the standard recurring-deposit compound-growth formula:
FV = P × ([(1 + r)n − 1] / r) × (1 + r)
- P = your monthly contribution amount
- r = monthly rate of return = annual return ÷ 12 ÷ 100
- n = total number of months = years × 12
Diversified equity funds have historically delivered 7–12% annualised over 15+ years (varies by market and currency). Balanced/hybrid funds give 6–9%; bond/debt funds 4–7%. Use a conservative return assumption for planning.
Frequently asked questions
How is monthly investment return calculated?
Future value = P × ([(1+r)^n − 1] / r) × (1+r), where P is the monthly amount, r is the monthly rate of return (annual ÷ 12), and n is the number of months. The calculator above runs this formula instantly.
What is a realistic long-term return?
Diversified equity mutual funds and broad-market ETFs have historically delivered around 7–12% per year over long horizons (15+ years), depending on market and currency. Balanced funds give 6–9%, bond funds 4–7%. Past returns are not a guarantee of future results.
Does this calculator account for inflation?
No — the output is the nominal future value. To get an inflation-adjusted (real) value, lower your assumed return rate by your local inflation rate (typically 2–6% depending on country).
Can I use this for tax-advantaged accounts?
Yes — the math is identical for any monthly contribution (401(k), IRA, ISA, ELSS, retirement SIPs, etc.). Local tax rules differ; the calculator just shows the underlying compound growth.
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