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Estimate future portfolio growth on mutual fund or index SIP contributions, with optional annual step-up allocations and year-by-year projections.
Automatically increase monthly deposits every year with salary growth.
Invested capital ($60,000) + estimated wealth returns ($56,169.54).
$60,000
+$56,169.54
$500
10 Years (120 mos)
By contributing $500/mo over 10 years at an expected return of 12% p.a., compounding adds $56,169.54 in estimated growth on top of your $60,000 principal.
Annual accumulation of contributions and compounding portfolio returns over time.
| Year | Monthly Deposit | Annual Invested | Total Invested Capital | Yearly Gain | Ending Portfolio Value |
|---|---|---|---|---|---|
| Year 1 | $500 | $6,000 | $6,000 | +$404.66 | $6,404.66 |
| Year 2 | $500 | $6,000 | $12,000 | +$1,216.94 | $13,621.6 |
| Year 3 | $500 | $6,000 | $18,000 | +$2,132.22 | $21,753.82 |
| Year 4 | $500 | $6,000 | $24,000 | +$3,163.59 | $30,917.42 |
| Year 5 | $500 | $6,000 | $30,000 | +$4,325.77 | $41,243.18 |
| Year 6 | $500 | $6,000 | $36,000 | +$5,635.33 | $52,878.52 |
| Year 7 | $500 | $6,000 | $42,000 | +$7,110.98 | $65,989.5 |
| Year 8 | $500 | $6,000 | $48,000 | +$8,773.78 | $80,763.28 |
| Year 9 | $500 | $6,000 | $54,000 | +$10,647.47 | $97,410.75 |
| Year 10 | $500 | $6,000 | $60,000 | +$12,758.79 | $116,169.54 |
Clean itemized summary for wealth management, financial planning, and portfolio tracking.
Print official investment statements, export CSV schedule data, or copy shareable summaries.
Effective SIP Formulas Used:
Result Explanation:
A monthly SIP contribution of $500 at an expected annual return of 12% over 10 years results in total contributions of $60,000. Estimated portfolio growth adds $56,169.54 in returns, yielding an estimated total future value of $116,169.54 (1.94x invested capital).
| Scenario Inputs | Output Result |
|---|---|
| monthlyInvestment : 500, rate : 12, years : 10 | Invested: $60,000, Future Value: $116,169.54 |
Systematic Investment Plan (SIP) Wealth Calculator. Calculate future maturity wealth, total invested capital, and compound returns from recurring monthly mutual fund SIP investments. ZechKit provides this tool completely free and online, optimized for instant, accurate computations directly inside your web browser.
A Systematic Investment Plan (SIP) Calculator models the long-term wealth accumulation achieved by investing a fixed amount of money at regular monthly intervals into mutual funds or index funds.
Mathematical Mechanics: Future Value is calculated using the annuity compounding formula: M = P × ({[1 + i]^n − 1} / i) × (1 + i), where M is maturity amount, P is monthly investment, i is monthly periodic interest rate (annual expected return / 12 / 100), and n is the total number of monthly contributions.
Rupee-Cost / Dollar-Cost Averaging: SIP investing mitigates market timing risk. When asset prices decline, your fixed installment buys more fund units; when prices rise, you buy fewer units, reducing average acquisition cost over time.
Disciplined Compounding: Investing modest sums consistently over 10, 20, or 30 years harnesses long-term compounding to build significant financial security.
