Project the future value of your monthly investments using compounding and see total gains.
Contribution Details
โน
%
years
Months = years ร 12
%
Increase monthly contribution by this % every year (optional).
Projection Summary
๐ฐ
Future Value
โ
Value at end of tenure
๐ฅ
Total Investment
โ
Sum of all installments
๐
Wealth Gain
โ
Future value โ invested
โฑ๏ธ
Estimated XIRR
โ
Annualised return (iterative)
Year
Annual Contribution
Corpus End-Year
Total Invested
๐ก Notes
Returns are assumed constant; actual funds fluctuate with markets.
Consider increasing SIP periodically to keep pace with income and inflation.
Use XIRR to evaluate real-world SIPs with irregular contributions.
๐ References
Association of Mutual Funds in India (AMFI) โ SIP education resources.
Investopedia โ Systematic Investment Plan methodology.
CFA Institute โ Time value of money and annuity formulas.
๐ How to Use
Enter your monthly contribution, expected return, and investment tenure. Optionally set a step-up percentage to increase contributions each year. The calculator shows projected corpus, total investment, gains, and annualised XIRR estimate.
๐งฎ Formula Reference
Future value of a monthly SIP: FV = P ร [((1 + r)^n โ 1) ร (1 + r)] / r, where P = monthly contribution, r = monthly rate (annual รท 12), n = total months.
Total invested = P ร n; Gain = FV โ Total.
XIRR solves ฮฃ CF_i / (1 + r)^{d_i / 365} = 0 using dated cash flows (Newton-Raphson).