Investment Growth Calculator (SIP)
See what a starting amount plus a fixed monthly saving (an SIP, systematic investment plan, or a regular savings plan) can grow to at a steady yearly return, and how much of it is growth.
- Value at the end
- –
- Total you put in
- –
- Growth
- –
How it is calculated
- r = yearly return ÷ 12 ÷ 100, n = years × 12
- Value = start × (1 + r)^n + monthly × ((1 + r)^n − 1) ÷ r
- If the monthly amount goes in at the start of each month, the second part is multiplied by (1 + r).
Worked example
1,000 to start, plus 100 a month for 10 years, at 8% a year.
| You enter | |
|---|---|
| Starting amount | 1,000 |
| Added every month | 100 |
| Expected return per year | 8 % |
| Years | 10 |
| Monthly amount added at the | End of each month |
| You get | |
| Value at the end | 20,514.24 |
| Total you put in | 13,000 |
| Growth | 7,514.24 |
Putting in 13,000 over 10 years grows to about 20,514.24 at 8% a year: 7,514.24 of that is growth.
Questions
What return should I use?
Use a cautious figure. A savings account pays its stated rate; funds and shares vary from year to year, so try a few rates to see a range.
Is this the same as an SIP calculator?
Yes. An SIP (systematic investment plan) is a fixed amount invested every month, which is exactly what this models, with monthly compounding.
Sources and checks
- OpenStax, Contemporary Mathematics, 6.6 Methods of Savings (future value of regular deposits)
- OpenStax, Contemporary Mathematics, 6.4 Compound Interest
Last checked: 13 October 2026. This calculator passes 5 automatic tests before every release.
Your numbers never leave your device: the calculation runs in your browser and nothing you type is sent or stored.
Real investments do not grow at a steady rate: returns go up and down, and fees and taxes reduce them. Treat this as an illustration, not a forecast. Results are estimates for information only and are not financial, tax or legal advice. Check important figures with a qualified professional before you act on them.