Regular Investment Calculator

It estimates how a fixed amount invested at regular intervals — usually monthly — could grow over time at an assumed rate of return. It shows the projected future value, your total contributions, the estimated growth, and an inflation-adjusted value. The output is an educational projection based on the figures you enter, not a forecast or a guarantee.

Yes. SIP (Systematic Investment Plan) is the term used in India for investing a fixed amount on a schedule, and the underlying compounding math is identical to a monthly-investment or dollar-cost-averaging calculator used elsewhere. You can use this page as a SIP calculator and as a global regular-investment calculator.

SIP stands for Systematic Investment Plan, a popular way in India to invest a fixed amount at regular intervals, most often monthly, usually into mutual funds. Because you invest on a schedule rather than all at once, you buy more units when prices are low and fewer when they are high, which averages your purchase price over time.

Dollar-cost averaging means investing equal amounts at regular intervals regardless of price. It is the common term in the US and is the same behaviour as SIP-style investing. The aim is to remove the pressure of timing the market and to keep investing consistently through both rising and falling markets.

Each contribution earns a return for the time it stays invested, and those returns then earn returns of their own. The earliest contributions compound the longest, so over long horizons the growth portion can become much larger than the amounts you put in. This calculator sums the future value of every contribution to project the total.

Choose a cautious long-term assumption that matches the asset type and its risk, and test a range. Returns are not guaranteed and swing from year to year, sometimes sharply. Comparing a conservative, base, and optimistic assumption — as the scenario section does — gives a more honest picture than a single number.

It depends on circumstances. In steadily rising markets, investing a lump sum early can win because the money is working sooner. In volatile markets, spreading contributions can reduce timing risk. For most people investing from income, regular contributions are simply the natural fit. This is general context, not a recommendation.

Yes. With inflation adjustment switched on, it shows the inflation-adjusted (real) value next to the nominal projection, so you can see roughly what the future balance is worth in today’s purchasing power. Real value is usually the better measure when planning against future costs.

Optionally, in advanced mode. You can add an annual platform or fund fee, which reduces the effective growth rate, and a simplified tax on growth. These are deliberately simplified estimates — real tax rules and investment costs vary by country, account type, and over time, so confirm specifics with an official source or a qualified professional.

You can use it to estimate the compounding math behind those recurring contributions, but it does not model their specific tax rules, employer matching, contribution limits, or withdrawal conditions, which differ by country and account. Treat the result as a general growth projection and check the rules for your specific account.

Yes, as a general projection of how regular contributions could grow at an assumed return. It does not predict any specific fund’s performance and excludes fund-specific costs unless you add a fee. It does not recommend any fund or product — it only shows the compounding math for the assumptions you enter.

No. Investment returns are not guaranteed and can be negative. The smooth growth shown here assumes a constant return, which real markets do not deliver — actual results vary with market performance, fees, taxes, inflation, and timing. Use the figures as an illustration of how regular investing works, not as a promise of any outcome.

Real markets do not return a fixed rate each year, so actual balances rise and fall around the smooth projection. Fees, taxes, fund costs, paused or missed contributions, and the order of good and bad years all change the outcome. The calculator is a planning estimate, not a record of what any account will actually do.

Raising your contribution each year — sometimes called a step-up — can meaningfully increase the projected value, because the larger amounts also compound. In advanced mode you can set an annual contribution increase to model pay rises. Even small annual increases can add up substantially over a long horizon.