Retirement SIP Calculator
Project your retirement corpus from a monthly SIP investment, expected annual return, and years until retirement using the standard SIP future value formula.
$
%
Yr
Projected Retirement Corpus
$668,945
Total Invested
$150,000
Investment Growth
$518,945
How the Retirement SIP Calculator Works
Enter a monthly investment (Systematic Investment Plan) amount, an expected annual rate of return, and the number of years remaining until retirement to project your future retirement corpus. The calculator uses the standard SIP future value formula for a series of monthly contributions compounding at a monthly rate.
Where P = monthly investment, r = monthly rate (annual rate ÷ 12), n = number of months
Example
Investing $500 per month at an expected 10% annual return for 25 years grows to a projected corpus of roughly $663,000. Of that, $150,000 comes from your own contributions ($500 × 300 months), and the remaining $513,000 is investment growth — showing how much compounding contributes over a long horizon.
Common Use Cases
- Projecting a retirement nest egg from regular monthly investments.
- Testing how increasing your monthly SIP changes your retirement outcome.
- Comparing scenarios with different expected returns or time horizons.
- Setting a monthly investment target to hit a specific retirement goal.
FAQs
What return rate should I assume?
This depends on your investment mix. Diversified equity portfolios have historically returned around 8-12% annually over long periods, though returns vary year to year and future results aren't guaranteed. Conservative investors may prefer a lower assumed rate.
Does this account for inflation?
No — this shows the nominal future value of your investments. To estimate purchasing power in today's terms, use the Inflation Calculator to adjust the projected corpus for expected inflation over the same period.
What if I want to increase my SIP amount every year?
This calculator assumes a fixed monthly SIP amount throughout the period. A "step-up SIP" that increases contributions annually will generally produce a larger corpus than shown here.