Calculate the future value of a systematic monthly investment (SIP / DCA). See how much wealth compounding creates on top of your contributions — and how your rate compares to a passive index fund.
Amount invested each month
Expected annual return
Investment horizon
A Systematic Investment Plan (SIP) or Dollar-Cost Averaging (DCA) means investing a fixed amount at regular intervals — monthly, weekly, or quarterly — rather than all at once. It removes the need to time the market and smooths out entry prices.
The power comes from compounding: earlier payments have more time to grow, and market gains generate their own gains over successive periods.
When you invest monthly, each instalment grows for a different duration. The XIRR (money-weighted return) accounts for this timing precisely — it is the single annualized rate that equates all your outflows and your final portfolio value. For a regular SIP at a constant rate, XIRR ≈ that rate, but real-world variation in dates and amounts will shift it.
Upload your brokerage export to see the real number — not an assumed one.
Use 10% for a broad US equity index fund (historical SPY average), 12–15% for a more optimistic equity scenario, or 4–5% for a conservative bond/savings scenario.
No — this is a gross return calculator. Your after-tax return depends on your bracket, account type (taxable vs Roth vs IRA), and holding period.
In a steadily rising market, lump sum typically outperforms SIP because all your capital has maximum time to grow. SIP reduces timing risk and volatility drag — useful when you cannot invest a large sum upfront.