SIP Calculator

Enter the monthly amount, yearly rate and years. For example, 5,000 a month at 12% grows to about 64,047 in a year.

Monthly deposit

৳

Yearly return % (assumed)

Mutual funds averaged 10–12% in the past; never guaranteed

Years

Maturity value

৳10,32,760

Total deposited: ৳6,00,000
Profit: ৳4,32,760

৳5,000 a month for 10 years grows to ৳10,32,760 (profit ৳4,32,760).

The return is an assumption — markets move. For fixed bank interest see the DPS calculator.

How this was calculated

৳5,000/month at 10% yearly (120 months), compounded, grows to ৳10,32,760

Calculated at: https://xn--d6bxcvd.xn--54b7fta0cc/en/sip-calculator/

How to use

Enter the monthly investment.
Enter the assumed yearly return.
Enter the years to stay invested.

SIP formulas

What	Formula	Example
Future value	Monthly × (((1+r)^n−1)÷r)×(1+r)	5,000, 12%, 12 mo ≈ 64,047
Profit	Total − deposits	64,047 − 60,000 = 4,047

Examples

Long term: 5,000/month at 10% for 10 years: deposits 600,000, total ~1,032,000 taka.

Short term: 10,000/month at 8% for 3 years: deposits 360,000, total ~408,000 taka.

More: when SIP works

Monthly buying averages the purchase price (rupee-cost averaging) — over 7+ years equity SIPs historically beat bank interest. But short terms can lose; keep under-3-year money somewhere safe.

Frequently asked questions

What is SIP?

Systematic Investment Plan — a fixed monthly into a mutual fund. Like DPS, but returns move with the market.

What is the formula?

FV = monthly × (((1+r)^n − 1) ÷ r) × (1+r), r = monthly rate. 5,000 at 12% for 12 months ≈ 64,047.

How is SIP different from DPS?

DPS pays fixed bank interest; SIP returns are market-linked — possibly higher, possibly lower.

Is the rate guaranteed?

No. Equity funds averaged 10–12% historically, but the future isn't promised. Assume 10% conservatively.

What if I withdraw midway?

Exit loads or tax may apply, and compounding breaks. This math assumes full tenure.

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