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Financial Planning

Monthly Contribution Investment Calculator

Project the value of a regular monthly investment (SIP) with an expected return and an optional yearly step-up in contributions.

Your inputs

Results

Estimated value

$116,169.54

Total invested
$60,000.00
Estimated gain
$56,169.54

≈Estimate based on the stated model and assumptions

Notes for this result

  • Uses a monthly rate of annual return ÷ 12, the common convention for these projections. Actual returns vary.

Inputs are never added to links for financial, salary or health calculators.

What this calculator does

Investing a fixed amount every month is one of the simplest ways to build wealth. A step-up raises the monthly amount each year, often in line with salary growth.

Formula and method

Monthly rate i = annual return ÷ 12. Each month: value = (value + contribution) × (1 + i) for beginning-of-month investing; contributions increase by the step-up percentage each year.

Worked example

Calculated by this tool with its default inputs:

Inputs

  • Monthly investment: 500 (any currency)
  • Expected annual return: 12 %
  • Investment period: 10 years
  • Annual increase in the monthly amount: 0 %
  • Invest at: Beginning of each period

Results

  • Estimated value: 116,169.54
  • Total invested: 60,000
  • Estimated gain: 56,169.54

How to read the results

The gap between invested and estimated value is the projected growth. Results are illustrative, not guaranteed.

Assumptions and limitations

  • Market returns are variable; use a range of assumptions.
  • Fees and taxes are not included.

Financial results are estimates based on the inputs and assumptions shown. They are not financial advice; confirm figures with your lender, provider or a qualified adviser before making decisions.

Questions

Why does this use annual return ÷ 12?

That is the common convention in SIP calculators; it slightly overstates growth compared with an effective-rate conversion.

Methodology and verification

Result type
Estimate based on the stated model and assumptions
Formula version
1.0
Automated verification
4 reference and validation test cases, checked against independently computed values. The site cannot be built if any of them fail.
Editorial review
Awaiting human editorial review. The explanation was drafted with AI assistance; the formula and examples are verified by the automated tests above.

Privacy

Everything you enter is calculated in this browser and is not sent to Numerith or anyone else. Because this calculator can involve personal financial or health details, your inputs are never added to share links or saved to history. Privacy policy