SIP calculator
Project equal monthly investments with a constant assumed nominal annual return.
Formula
r = annual % / 1200; end value = deposit × [(1+r)^n−1]/r; beginning value = end value × (1+r). At 0%, value = deposit × n.
End-month balance ≈ (100)×(163.8793468) · Beginning-month balance ≈ (16,387.93468)×(1.005) · Total invested ≈ (100)×(120)
How to use
- Enter the monthly investment in one currency.
- Set nominal annual return and number of months.
- Compare beginning-month and end-month balances.
Examples
- Invest 100 for 2 months at 12% nominal: beginning 203.01; ending 201.
Frequently asked questions
Which timing is used?
Both are shown at the end of the final month. Beginning-month deposits earn one extra month.
Is the return guaranteed?
No. This fixed-return projection can model losses and excludes fees and tax.
Does SIP require a particular country?
No. The arithmetic applies to regular investing in any currency.
Sources
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