SIP calculator
Project what a monthly investment could become at an assumed rate of return — and work backwards from a target to the instalment it needs.
Projection
Returns are assumptions, not promises. Market-linked investments can fall as well as rise.
How this SIP calculator works
The projection compounds each monthly instalment at the rate you enter, assuming contributions at the start of every month. It shows three numbers that matter: what you put in, what it could become, and the difference between them.
The second panel flips the question — given a target amount and a time frame, it shows the monthly instalment that reaches it under the same assumed rate.
| Input | What it means |
|---|---|
| Monthly amount | The instalment debited from your bank each month |
| Expected return | An assumption, not a guarantee |
| Years | How long the money stays invested untouched |
Time does more work than the rate
Doubling the time frame changes the outcome far more than nudging the assumed return. That is the single most useful thing a SIP projection can show you.
What to do next
Read the investing guide for how to choose what the SIP buys, and check the compound interest calculator to see how a lump sum behaves alongside monthly additions.
Read SIP versus lump sum investing to understand which contribution pattern fits your cash flow. SEBI Investor explains investment risks and registered intermediaries. North is an educational financial planning companion, not a platform for buying investments.
Frequently asked questions
What return rate should I assume?
Nobody knows the future, so treat the rate as a scenario. Many people model a diversified equity fund somewhere between 10% and 12% a year over long periods, and then check what happens at 8% before relying on the number.
Is a SIP itself an investment?
No. A SIP is just the habit of investing a fixed amount on a fixed date. The outcome comes from the fund you choose, not from the instalment mechanism.
Why is the projected amount so much larger than what I invested?
Because returns compound on returns. The gap widens sharply after roughly ten years, which is why starting earlier usually matters more than choosing a slightly better fund.
Are these figures guaranteed?
No. Market-linked returns vary and can be negative over short periods. Every figure here is a projection under the rate you typed, not a promise.
Go deeper
Your next step
- See the full guideInvesting — the complete guideHow much do I need to invest each month for this to work?
- Go deeperCompound interest calculatorSee what a lump sum plus monthly additions grows to at a chosen rate.
Put this into your own situation. North turns a target amount and date into a monthly contribution, then tracks whether you are keeping pace.
Try North
These calculators are educational tools, not financial advice. Any figure involving an assumed rate of return is a projection, not a promise. See all North tools.