定投计划计算器

本定投计划计算器通过复利收益预测系统性月度投资的未来价值。输入每月投资金额、预期年化收益率和投资期限，查看总资产、已投入本金和财富增值。

SIP Calculator

Calculate your systematic investment plan returns

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Years
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Increase monthly investment by this percentage every year

Frequently Asked Questions

什么是 SIP（系统投资计划）？

SIP（Systematic Investment Plan，系统定投计划）是一种定期固定金额投资基金的方式，类似于定期定额（DCA，Dollar-Cost Averaging）。通过每月定期投入固定金额，分摊市场风险，利用长期复利积累财富。

SIP 计算器是如何工作的？

SIP 计算器使用年金未来值公式：FV = P × [(1+r)ⁿ - 1] / r × (1+r)，其中 P 是每期投入金额，r 是期间收益率（年化收益率/12），n 是投资期数（月数）。结果显示总投入本金和预期收益。

SIP 投资有哪些优势？

SIP 的主要优势：①消除择时压力（定期定量，不受市场波动影响）；②利用平均成本效应（市场低时买入更多份额）；③小额起步（可从每月几百元开始）；④养成储蓄习惯；⑤长期复利增长。

如何选择适合的 SIP 金额？

建议 SIP 金额为月收入的 10-30%，具体取决于您的财务目标和现有储蓄。使用本计算器设定目标金额和期限，反向计算每月需要定投多少。建议随收入增长逐年提高定投金额（步进式 SIP）。

How to Calculate SIP (Systematic Investment Plan) Returns

The SIP Calculator is a powerful tool for calculating Systematic Investment Plan (SIP) returns. This advanced SIP return calculator helps you estimate the future value of your regular monthly investments through SIP. By inputting your monthly SIP amount, expected annual return rate, and investment duration, the SIP Calculator projects your potential wealth accumulation and provides detailed insights into your systematic investment plan performance.

SIP Calculator Formula

The SIP investment calculator uses the future value of annuity formula to compute your returns:

M=P×(1+i)n−1i×(1+i)M = P \times \frac{(1 + i)^n - 1}{i} \times (1 + i)

Where in the SIP calculation:

  • MM = Maturity value (future value of your SIP investment)
  • PP = Monthly SIP investment amount
  • ii = Monthly rate of return (Annual rate12×100\frac{\text{Annual rate}}{12 \times 100})
  • nn = Total number of SIP installments (Years x 12)

Worked Example:

Invest $500/month at 12% annual return for 10 years:

  • Monthly rate: i=0.12/12=0.01i = 0.12 / 12 = 0.01
  • Total months: n=10×12=120n = 10 \times 12 = 120
M=500×(1.01)120−10.01×1.01=$115,019M = 500 \times \frac{(1.01)^{120} - 1}{0.01} \times 1.01 = \$115{,}019

Total invested: $60,000. Returns earned: $55,019.

SIP Growth Reference Table

See how $500/month grows at different annual return rates over time:

Years8%10%12%15%
5$36,738$38,929$41,243$44,713
10$91,473$102,422$115,019$138,076
15$173,019$207,929$250,456$337,855
20$294,510$382,828$499,574$783,826
25$475,513$668,691$946,918$1,745,427
30$745,180$1,139,612$1,764,724$3,865,660

Total invested over 30 years: $180,000. At 12%, your returns ($1,584,724) are nearly 9x your total investment. Time is the most powerful factor in SIP growth.

Understanding SIP Calculator Results

  • Total SIP Investment: The total amount invested through your systematic investment plan.
    Calculation: Monthly SIP Amount×Number of Months\text{Monthly SIP Amount} \times \text{Number of Months}
  • Expected SIP Returns: The wealth generated from your SIP investments.
    Calculation: Total Value−Total SIP Investment\text{Total Value} - \text{Total SIP Investment}
  • Total SIP Value: The final amount including your SIP investment and returns.
    Calculated using the SIP compound interest formula above
  • SIP Return Rate: The percentage gain on your systematic investment.
    Calculation: (Total ValueTotal SIP Investment−1)×100%\left(\frac{\text{Total Value}}{\text{Total SIP Investment}} - 1\right) \times 100\%

SIP Investment Growth Analysis

The SIP Calculator provides two visual representations of your investment growth:

  • SIP Growth Chart: Shows year-by-year progression of:
    • Total SIP Investment (Gray line)
    • Expected SIP Value (Blue line)
  • SIP Composition Chart: Displays the breakdown of your final amount:
    • Total SIP Investment (Gray)
    • Expected SIP Returns (Green)

SIP vs Lump Sum Investing

FactorSIP / DCALump Sum
Investment StyleFixed amounts at regular intervalsEntire amount invested at once
Capital RequiredSmall amounts (e.g., $200-$1,000/month)Large upfront sum needed
Market Timing RiskLow (averages purchase price)Higher (single entry point)
Historical ReturnsSlightly lower on averageOutperforms ~68% of the time
Best ForSalaried individuals, regular savingsWindfalls, inheritance, bonus
Behavioral BenefitAutomates discipline, reduces emotionRequires conviction to invest all at once
Volatile MarketsBenefits from buying dipsCan suffer significant initial losses

What Is Dollar Cost Averaging (DCA)?

Dollar Cost Averaging (DCA) and SIP are the same investment concept used in different markets. In India and Southeast Asia, systematic monthly investing is called SIP. In Western markets (US, UK, Europe), the identical strategy is called Dollar Cost Averaging.

Both involve investing a fixed amount at regular intervals regardless of market conditions. When prices are high, you buy fewer units. When prices are low, you buy more. Over time, this averages your purchase cost and removes the emotional decision of when to invest.

Whether you call it SIP or DCA, the mathematical formula and outcomes are identical. Our SIP calculator works for both strategies — simply enter your regular investment amount, expected return, and duration to see projected results.

Step-Up SIP Explained

A Step-Up SIP (also called SIP top-up) increases your monthly investment by a fixed percentage each year. As your income grows, your investments grow with it — dramatically accelerating wealth accumulation.

Example: $500/month with 10% annual step-up at 12% return

  • Year 1: $500/month
  • Year 2: $550/month
  • Year 3: $605/month
  • Year 5: $732/month
  • Year 10: $1,179/month

Impact on 20-year returns:

  • Fixed SIP ($500/month): ~$499,574
  • Step-Up SIP (10% increase/year): ~$760,000
  • Extra wealth from step-up: ~$260,000 (+52%)

The step-up adds only modest amounts in early years but compounds significantly over time.

SIP Calculator Example

For a sample SIP calculation with:

  • Monthly SIP Amount: $5,000
  • Expected Annual Return Rate: 12%
  • SIP Duration: 5 years

The SIP Calculator will show:

  • Total SIP Investment: $300,000 ($5,000×60\$5{,}000 \times 60 months)
  • Expected SIP Returns: ~$103,000
  • Total SIP Value: ~$403,000
  • SIP Return Rate: ~34.33%

Important SIP Calculator Considerations

  • The SIP Calculator assumes a constant annual return rate
  • The SIP return calculation doesn't account for:
    • Tax implications on SIP returns
    • SIP investment fees
    • Market volatility affecting SIP returns
    • Inflation impact on SIP value
  • Actual SIP returns may vary based on market conditions
  • Past SIP performance doesn't guarantee future returns

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