ETF SIP Calculator

Formula Guide

This page combines recurring contributions with an assumed annual return to estimate future value over the period you choose. Use it for rough planning, not as a forecast.

How to Read the Result

The ending value moves with both consistency and assumptions. Over a long stretch, even a modest change in the return input can open a much wider gap than most people expect.

What’s Not Included

ETF expense ratios, taxes, inflation, separate dividend reinvestment modeling, and changing contribution sizes over time.

Compare monthly and weekly plans

When comparing monthly and weekly contribution plans.

Stress-test the return assumption

When testing several expected return assumptions.

Estimate long-run value

When estimating how much capital may accumulate over years.

Plan a disciplined ETF routine

When planning a disciplined long-term ETF strategy.

Estimating a monthly ETF accumulation plan

You want to see how a long-term recurring ETF contribution plan might grow under a simple annual return assumption.

This kind of example is useful for checking whether the planned total contribution level and time horizon are aligned with your target ending value.

Comparing an aggressive return assumption with a conservative one

You have the same contribution plan in mind, but want to understand how sensitive the ending value is to the assumed annual return.

Run the same case again with a different return assumption. That range gives a better planning view than relying on one optimistic figure.