SIP Calculator

1. Enter the planned monthly contribution.
2. Enter an expected annual return as an assumption, not a promise.
3. Choose the duration and compare invested amount with estimated value.

Higher contributions increase the amount invested. A higher assumed return or longer duration raises the projection, but actual market outcomes may differ materially.

Projected returns can themselves generate later returns. Time therefore has a nonlinear effect, although market returns do not arrive smoothly or at a guaranteed rate.

Invested amount is the sum of contributions. Estimated returns are the projected value minus those contributions and can be negative in real investments.

• Creates a regular contribution habit.
• Spreads contributions across different market dates.
• Makes progress easier to review against a long-term plan.

The projection uses a constant assumed return. It does not model volatility, inflation, taxes, fees, missed contributions, or product-specific rules unless explicitly stated.

• Treating the assumed return as guaranteed.
• Ignoring fees, taxes, inflation, or volatility.
• Confusing annual and monthly return rates.
• Assuming contributions always occur on the modeled date.

• Test a range of return assumptions.
• Review invested amount separately from projected gains.
• Use a duration that reflects the decision being explored.
• Revisit assumptions when circumstances change.