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Project how regular investments grow through the power of compounding.
Projected Value
$1,459,607.99
Monthly Contribution
$20,000.00
Total Invested
$1,200,000.00
Total Gains
$259,607.99
Final Value
$1,459,607.99
Estimates only - not financial advice. Verify with a qualified professional before making decisions.
What you could do instead
+20%better
Flat SIP
Same $20,000.00/mo every month
Step-up SIP
Increase contribution 10% each year
Total invested
$1,200,000.00
Total invested
$1,465,224.00
+$265,224.00 contributed
Gains
$259,607.99
Gains
$291,809.67
+$32,201.68 more growth
Final value
$1,459,607.99
Final value
$1,757,033.67
+$297,425.68 corpus
End with $297,425.68 more - a 20% larger corpus, for a contribution that grows in line with raises.
Pay 10% extra each month
Pay just 10% extra ($22,000/mo) and save $1,439,483 in interest, becoming debt-free 59 months earlier.
* Based on 10% overpayment applied every month until payoff.
Investing $20,000.00/mo for 60 months yields $1,459,607.99.
💡Projected Wealth Gain: $259,607.99
Monthly Commitment: $20,000.00
Sample scenarios using current reference rate data.
Source: Federal Reserve · Updated 2026-05-01
Source: Federal Reserve · Updated 2026-05-01
Source: Federal Reserve · Updated 2026-05-01
A SIP calculator projects what regular monthly contributions could grow into over time, assuming a constant annual return rate. It's the future-value-of-an-annuity formula, the same one used in retirement and pension projections. It does not predict the future - it shows what a given rate and term would mathematically produce.
FV = P × ((1 + r)^n − 1) ÷ r × (1 + r)Common questions about using this tool for US.
Built & maintained by: Dhanasekar · Developer
Formula reference: Federal Reserve
Data last updated: May 1, 2026
This is a free educational tool, not financial advice.
Important: This calculator provides estimates for informational purposes only and does not constitute financial advice. Actual rates and terms may vary. Always consult a qualified financial advisor before making financial decisions.
Using an unrealistically high return rate.
Plug in 6% or even 4% in real terms (after inflation) rather than the nominal 10%+ that's sometimes quoted in marketing. The conservative number is the one to plan against.
Ignoring fees.
A 1% annual fee can reduce your final value by 20-25% over 30 years. Always compare expected return net of expense ratios and platform fees.
Treating projected value as guaranteed.
The calculator gives you a mathematical projection at a single assumed rate. Real markets are volatile - run several scenarios at different rates to see the range of outcomes.
Reference formula and educational copy. For US-specific rate data see the source link in the disclaimer block above. This is not financial advice.