SIP & Mutual Fund Calculator
Enter your monthly investment, the return you expect and how long you will stay invested. The calculator compounds every contribution monthly and charts how much of your final pot is your money versus growth.
Your investment plan
Projected value
Value after 15 years
$229,429
180 monthly contributions
- Total invested
- $90,000
- Estimated returns
- $139,429
Investing $500 a month at 11% for 15 years puts $90,000 of your own money in, and compounding adds an estimated $139,429 on top — about 61% of the final pot.
Growth over time
Worked example
Invest 500 a month for 15 years at an assumed 11% annual return. You contribute 90,000 in total (500 × 180 months). Each instalment compounds at 0.9167% a month for the months it stays invested, so the pot grows to roughly 250,000 — meaning about 160,000 of the final balance is growth rather than your own money.
How the maths works
A SIP is an annuity-due: FV = M × [((1 + i)ⁿ − 1) / i] × (1 + i), where M is the monthly amount, i the monthly rate (annual ÷ 12) and n the number of instalments. Because the earliest contributions compound the longest, extending the period usually moves the final number far more than nudging the assumed return.
Frequently asked questions
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Disclaimer: Calcemitool provides general estimates for information only — this is not financial, tax or investment advice. Real returns, exchange rates and lender charges vary. Confirm any figure with your lender or a qualified adviser before acting on it.