QuikCalcTools

Built for US, Australia, Canada, UK and global users

Monthly Investment Calculator | SIP & Wealth Accumulation

Calculate how much your monthly investments will grow over time. Factor in compound interest, expected market returns, and your time horizon.

Instantly see the power of compounding on monthly contributions
Visualizes the massive difference between your principal and interest over long periods
Easily compare different return scenarios (e.g., 6% vs 8% vs 10%)

Savings Growth Calculator

Project your savings growth over time. Account for compound interest, taxes, and inflation to get a realistic view of your future wealth.

What do you want to calculate?

$
$

Rates & Advanced

%
%

Applied to interest

%

Future Value

$94,111

Total accumulated savings

Inflation Adjusted

$70,028

Purchasing power in today's dollars assuming 3% inflation.

Total Principal

$70,000

Net Interest

+$24,111

Tax Paid

-$0

Effective APY

5.12%

Savings Growth Timeline

Principal
Interest

Future Value

$94,111

Effective APY

5.12%

Calculator guide

Who this calculator is for

Retail investors, FIRE (Financial Independence, Retire Early) enthusiasts, and anyone utilizing dollar-cost averaging (DCA) to build long-term wealth.

Project the long-term future value of consistent monthly investments into index funds, ETFs, or mutual funds.

Formula used

Future Value = Principal × (1 + r/n)^(nt) + PMT × [((1 + r/n)^(nt) - 1) / (r/n)]

The calculator keeps the math visible so users can understand what changed when they adjust rate, time, contribution, tax rate or loan amount.

Example: Investing $500/month in the S&P 500

Initial Investment$0
Monthly Contribution$500
Expected Return8% p.a.
Time Horizon20 Years
Future Value$294,510

How to get a useful result

Avoid: Assuming historical 10% returns will be guaranteed every single year
Avoid: Forgetting to adjust the final future value for inflation
Avoid: Stopping monthly investments during market downturns (failing to DCA)

For the best estimate, use realistic rates, verify lender or tax assumptions, and run at least one conservative scenario. This makes the page more useful than a bare calculator and helps visitors stay longer because they can compare outcomes instead of leaving after one number.

Frequently asked questions

A monthly investment calculator is a tool that projects the future value of your portfolio if you commit to investing a fixed amount of money every single month.

Yes, a Systematic Investment Plan (SIP) calculator and a monthly investment calculator perform the exact same mathematical function. 'SIP' is simply a term more commonly used in India, while 'Monthly Investment' is used globally.

DCA is the practice of investing a fixed amount of money at regular intervals (like every month), regardless of what the stock market is doing. This reduces the risk of investing a large lump sum right before a market crash.

If you are investing in a broad US stock market index fund (like the S&P 500), historical average returns are around 9-10% before inflation. However, for conservative planning, using 7% or 8% is recommended.

Every month you earn returns not just on your new contribution, but on all previous contributions AND the returns those contributions have already generated. Over 20+ years, this exponential growth causes your returns to vastly exceed your actual contributions.

Yes, you can input an expected inflation rate (historically around 2-3%), and the calculator will show you the 'Real Value' or purchasing power of your future wealth in today's dollars.