SIP calculator
Simulate your SIP returns and visualise the growth of your savings through the magic of compound interest.
Systematic Investment Plan (SIP) calculator
Results
Final balance
€
Total investments
€
Total accumulated interest
€
If you start with an initial investment of €1,000 and invest €100 per month at an annual interest rate of 5% for 10 years, you will reach a final capital of €16,722. This amount consists of €13,000 in deposits and €3,722 in interest or capital gains.
The results presented are simulations and do not constitute any form of financial advice.
Glossary
What is a SIP calculator?
A SIP (Systematic Investment Plan) calculator is a tool that estimates the future value of regular investments. By entering your monthly investment, expected return rate, and time period, it shows how your money could grow through compound interest.
Compound interest is interest calculated on the initial amount and also on the accumulated interest from previous periods. This means that interest generates more interest over time, creating a "snowball effect" that can significantly increase your investment.
It’s helpful for planning long-term goals like retirement or education by offering a clear projection of potential returns. While not a guarantee, it gives a realistic idea of what disciplined investing can achieve over time.
Compound interest is interest calculated on the initial amount and also on the accumulated interest from previous periods. This means that interest generates more interest over time, creating a "snowball effect" that can significantly increase your investment.
It’s helpful for planning long-term goals like retirement or education by offering a clear projection of potential returns. While not a guarantee, it gives a realistic idea of what disciplined investing can achieve over time.
Is this SIP calculator valid for UAE mutual funds?
Yes. The math is universal—just plug in your AED amounts and expected annual return.
How do I run a lumpsum calculation only?
Enter your total amount in Initial Investment and set Monthly Contribution = 0.
What is a step‑up SIP?
A plan where your monthly contribution grows each year (e.g., 10 % increase) to beat inflation.
What annual return should I assume?
Typical long‑term equity returns in global markets range 7–10 % p.a.; adjust conservatively.
What annual return should I assume?
No. UAE residents currently pay no capital‑gains tax; consult a tax adviser for zakat specifics.