Educational tool: calculations are illustrative and are not investment advice or predictions.
Investment planning

SIP Calculator

Estimate future value, invested amount and potential gains from monthly investments.

Free to useNo account requiredPrivate by defaultInputs stay in your browserTransparentFormula shown below

Formula-based educational calculator · Tested with worked examples · View methodology

Enter your scenario

Example values are pre-filled. Replace them with your own.

How this calculator works

How the projection works

The calculator assumes a constant monthly return derived from the annual rate and deposits at the beginning of each month. Actual markets fluctuate and future returns are not guaranteed.

Try several assumptions

Compare conservative, moderate and optimistic rates instead of relying on one projection. Fees, taxes and missed contributions reduce results.

How the SIP calculation works

A systematic investment plan adds a fixed contribution at regular intervals. Each contribution compounds for a different length of time, so the result is not the same as investing the full amount on day one. Choose whether deposits occur at the beginning or end of each month and add an annual step-up if the contribution is expected to increase.

SIP result limitations

The annual return is an assumption converted to a monthly rate. Market returns are uneven and may be negative for long periods. Taxes, fund expenses, exit loads and inflation are not automatically deducted, so compare the projection with the actual product’s costs.

Frequently asked questions

Can this result predict a trade?

No. It only applies a formula to your assumptions. Market prices, fills, fees and outcomes can differ.

Does TradeCalcZen store my values?

Calculations stay in your browser. Turn on Remember my inputs to save a scenario locally; turn it off to remove that saved scenario. No calculator values are sent to our servers.

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