SIP Calculator for NRIs: plan in AED, USD or INR

A Systematic Investment Plan (SIP) lets you invest a fixed amount every month into a fund or portfolio of your choice. This calculator shows the future value of those contributions — your total corpus at the end of the investment period, how much of it is principal, and how much is pure return.

For investors earning in USD, SIPs translate naturally to automatic monthly investments in index funds, ETFs, or mutual funds. A $1,000/month contribution into a broad US equity index fund is a common starting point for a mid-career professional, and the math of compounding makes even that modest amount significant over a decade.

Why this matters: You earn in a globally strong currency and have access to deep, liquid markets — S&P 500 index funds, global ETFs, bond ladders, and real estate investment trusts (REITs). An organized monthly SIP discipline removes market-timing anxiety and forces consistent wealth accumulation regardless of what headlines say.

Enter your monthly investment amount, tenure, and expected return rate. The calculator instantly shows your total corpus, the principal you invested, and the returns generated. Use the currency toggle to plan in USD (for US-based goals), AED (if you also invest in UAE instruments), or INR (for India-linked goals like NRI mutual funds).

Key decisions this calculator helps you make:

• How much to SIP monthly: Work backwards from a retirement corpus target or a child's education goal to find the right monthly figure
• How tenure affects outcomes dramatically: A $1,000/month SIP at 10% for 10 years gives $201K; for 20 years it gives $724K — the same monthly investment produces nearly 4x the corpus with double the time
• Index funds vs actively managed: Actively managed fund fees of 0.5–1% annually reduce your effective return. Model the same SIP at 10% vs 9% to see the real dollar cost over 20 years
• SIP vs lumpsum timing: If you receive an annual bonus, should you split it into monthly contributions or invest as a lumpsum? This calculator combined with the lumpsum calculator gives you the comparison you need

The working of a SIP calculator is based on the compound interest formula for annuity-due (payments at the beginning of each period):

Formula:

FV = P × [(1 + r)ⁿ - 1] / r × (1 + r)

Where:

• FV = Future Value of the investment
• P = Amount you invest each month
• r = Expected rate of return per month (annual rate ÷ 12)
• n = Total number of monthly payments (years × 12)

Example:

If you invest $1,000 per month for 10 years at an expected return of 10% per annum:

• Monthly investment (P) = $1,000
• Rate per month (r) = 10% ÷ 12 = 0.833% or 0.00833
• Number of months (n) = 10 × 12 = 120

Future Value = $1,000 × [(1.00833)¹²⁰ - 1] / 0.00833 × 1.00833 ≈ $201,000

Your total investment would be $120,000 ($1,000 × 120 months), and you would earn approximately $81,000 as returns.

Using our SIP calculator is simple and intuitive:

Step 1: Enter Your Monthly Investment

Use the slider or quick-select buttons to choose how much you want to invest each month. We support investments from $100 to $100,000.

Step 2: Set Expected Returns

Adjust the expected annual return rate. US equity index funds have historically averaged 10–12%, while bond funds range from 3–5%. Be realistic based on your risk appetite and asset class.

Step 3: Choose Investment Period

Select how many years you plan to invest. SIPs work best over longer periods (5+ years) due to the power of compounding.

Step 4: View Results

Instantly see your future value, total invested amount, and expected returns. The visual breakdown helps you understand the growth trajectory.

Step 5: Adjust and Compare

Try different scenarios to find the perfect investment plan for your goals. Switch currencies if you invest across multiple markets.

1. Instant Results

Get accurate projections in seconds without complex manual calculations.

2. Plan Better

Visualize different scenarios to make informed investment decisions aligned with your goals.

3. Multi-Currency Support

Calculate returns in USD, AED, or INR — perfect for global investors, NRIs, and expatriates investing across markets.

4. Realistic Projections

Our calculator uses proven financial formulas to give you accurate future value estimates.

5. Compare Investment Strategies

Easily compare different SIP amounts and tenures to optimize your wealth creation strategy.

6. Goal-Based Planning

Work backwards from your financial goals to determine the right monthly investment amount.

7. No Cost

Use our professional-grade calculator completely free, as many times as you want.

8. Visual Breakdown

Clear charts and graphs help you understand where your money goes and how it grows.