Forecast mutual fund compounding growth with our free SIP Calculator. Calculate expected portfolio maturity value, total invested principal, and accumulated gains with 100% offline privacy.
Input the dollar amount you plan to invest every month.
Set your expected annual return rate percentage and total investment duration in years.
Instantly view expected total wealth, total invested principal, and accumulated compounding gains.
Your financial parameters are processed entirely inside your browser using client-side JavaScript. Nothing ever travels over a network to any server — making BunchTool 100% private.
Calculations run locally in real time as you adjust monthly investments, return rates, or duration inputs. Results update dynamically without delays.
Displays a clear breakdown bar illustrating the exact percentage split between your out-of-pocket principal and exponential market returns.
Systematic Investment Plan (SIP) is an investment strategy where fixed sums are deposited at regular intervals into mutual funds or equity portfolios to build long-term wealth through compounding.
The mathematical formula for SIP future value is:
\(M = P \times \left[ \frac{(1 + i)^n - 1}{i} \right] \times (1 + i)\)
Where \(P\) = Monthly investment amount, \(i\) = Monthly interest rate (\(\text{Annual Rate} \div 12 \div 100\)), and \(n\) = Total number of months (\(\text{Years} \times 12\)).
SIP vs Lump Sum Investing: While lump sum investing requires timing the market, SIP leverages dollar-cost averaging to mitigate short-term market volatility. Over extended durations (15+ years), compound interest causes capital returns to exceed total invested principal.