Recurring contribution model
The calculator treats each contribution as being added at a constant interval and then compounds the balance using the implied periodic return.
Formula guide
Total invested capital
Total invested capital equals the contribution amount multiplied by contributions per year and total years.
Projected gain
Projected gain equals ending value minus all contributions and reflects the extra value created by compounding.
Limits of the model
The page does not simulate volatility, drawdowns, fees, or dividend timing. It is intentionally simple for quick scenario testing.
When to use this tool
Checking plan affordability
Change the contribution amount until the total invested capital fits your real cash-flow capacity.
Comparing durations
Keep contributions constant and extend the time horizon to see how much longer compounding changes the outcome.
Testing return assumptions
Run conservative and optimistic return cases to understand the sensitivity of the plan.
Explaining SIP mechanics
The output cards and bars are useful when you want a simple visual explanation of how recurring ETF investing works.
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FAQ
What is an ETF SIP calculator?
It is a tool that estimates how recurring ETF purchases may grow over time using a fixed contribution schedule and an annual return assumption.
Does the calculator include dividends?
Only indirectly if you treat them as part of the annual return assumption. The model does not simulate separate dividend cash flows.
Why is this only an estimate?
Because market returns are not constant. Real returns vary by year and by sequence, while this tool keeps the assumption stable for simplicity.
Can I use weekly or biweekly contributions?
Yes. Set contributions per year to the number that matches your schedule, such as 52 for weekly or 26 for biweekly.