USA SIP Calculator

A SIP, or systematic investment plan, involves investing a fixed amount regularly rather than a single lump sum — a strategy that smooths out market volatility over time and builds consistent investing habits. This SIP calculator projects how your regular contributions could grow based on your investment amount, frequency, and expected rate of return.

Calculate how regular systematic investments (dollar-cost averaging) grow over time.

Recurring Investment Amount ($)

Investment Frequency

Initial Investment / Lump Sum ($)

Expected Annual Return Rate (% APR)

Investment Horizon (Years)

Yrs

Portfolio Breakdown: Principal vs Growth

Year-by-Year Growth Schedule

Year	Total Invested ($)	Estimated Returns ($)	End Portfolio Value ($)

The power of a SIP comes from consistency and time in the market, the same underlying principle behind compound growth in any investment account. For the full explanation of how compounding drives long-term returns, read our guide on how compound interest works, and if you’re specifically planning for retirement, our 401k calculator and compound interest calculator offer related projections.

Enter your contribution amount, frequency, and time horizon above to see your projected investment growth.