Investment calculator
Lump sum plus monthly contributions under compound growth — SIP, sparplan, and tsumitate share the same algebra.
Defaults to your region. Switch to compare any other scale.
Result
$186,970.62
Future value
- Total contributed$100,000.00
- Compound growth$86,970.62
- Horizon15
Illustration, not a forecast
Returns are never constant. Inflation, taxes, and expense ratios shrink real purchasing power.
About this tool
The investment calculator projects future value from a lump sum plus optional monthly contributions under compound growth. The same algebra covers India SIP labels, US compounding, German sparplan-style saving, and Japan tsumitate framing.
Choose rate, years, and contribution size to compare steady investing habits. Year markers help you see how contribution totals versus growth separate over time.
For pure frequency/APY experiments open compound interest; for retirement withdrawal checks open the retirement calculator. Markets vary — figures are educational.
Formula
FV = PV(1+r)^n + PMT × [((1+r)^n − 1) / r]r = annual/12, n = years×12
How it is calculated
- Enter starting amount, monthly add, annual return, and years.
- Rate is converted to monthly.
- Future value is lump growth plus the annuity of contributions.
- If your country, school or provider uses different rules, pick another option in the “Standard” menu at the top.
Questions
Is this SIP exact?
It matches the textbook monthly-compounding SIP identity. Real NAVs move daily; this is the planner’s closed form.
When should I change the “Standard” setting?
When the rules you work with differ from the default chosen for your language. Options on this page: US compounding (monthly); India SIP (monthly); German savings plan; Japan tsumitate. The formula, steps and result update to match your choice.
Are the results official advice?
No. Calculate This is an educational tool. Before a financial or tax decision, check the figures with your bank, the tax authority or a qualified adviser.