SIP calculator
What a fixed monthly investment could grow into over the years, and how much of that is your own money versus growth.
Returns are not guaranteed. The rate you entered is an assumption; real funds rise and fall, and some years lose money. Treat this as a rough picture, not a promise.
Putting in ر.ق 10,000 every month for 10 years adds up to ر.ق 1,200,000 of your own money.
If it earned 12.00% a year throughout, it could be worth about ر.ق 2,300,386.89 — of which ر.ق 1,100,386.89 is growth.
The earlier money has the longest to grow, which is why starting matters more than the exact amount.
| Year | Put in this year | Put in so far | Value at year end |
|---|---|---|---|
| 1 | 120,000 | 120,000 | 126,825.03 |
| 2 | 120,000 | 240,000 | 269,734.65 |
| 3 | 120,000 | 360,000 | 430,768.78 |
| 4 | 120,000 | 480,000 | 612,226.08 |
| 5 | 120,000 | 600,000 | 816,696.70 |
| 6 | 120,000 | 720,000 | 1,047,099.31 |
| 7 | 120,000 | 840,000 | 1,306,722.74 |
| 8 | 120,000 | 960,000 | 1,599,272.93 |
| 9 | 120,000 | 1,080,000 | 1,928,925.79 |
| 10 | 120,000 | 1,200,000 | 2,300,386.89 |
- Try a lower return — 8% — to see a cautious figure alongside the hopeful one.
- If your income rises, use "More options" to raise the amount each year; the difference over ten years is large.
- The same return every single month for the whole period — real returns are never that even.
- Each payment goes in at the END of the month, after that month's growth (an "ordinary annuity").
- Every payment is made in full and on time.
- No fees, fund charges, tax or exit load — these reduce the real figure.
- Nothing is rounded month to month; the figure is exact and rounded once for display.
A worked example
The form starts with these figures (in QAR) so you can see how it works before typing your own. They are made up — nobody's real numbers appear here.
Questions people ask
What is a SIP?
A Systematic Investment Plan: a fixed amount invested every month into a fund or savings scheme. The point is the habit — small, regular, for years.
Is the return guaranteed?
No. The rate you type is an assumption. Funds rise and fall, and some years lose money. Use a lower rate to see a cautious picture too.
Start of month or end of month — which should I pick?
Whichever matches when your money actually goes in. The difference is small and this page shows it as a figure so nothing is hidden in the assumption.
What does "increase each year" mean?
Raising your monthly amount at each anniversary — say 10% — as your income grows. Over ten years it makes a large difference to the final figure.
Do you keep what I type here?
No. The figures are used to work out the answer and are not stored, and never appear in the page address.
These are estimates. The figures depend entirely on the numbers you enter and on assumptions that are listed on every result. They are not financial advice, and a bank, employer or authority may use different rules. Check anything important with them before you decide.
We do not keep your figures. Salary, debt and savings you type here are used to work out the answer and are not stored, and never appear in the page address. The only thing remembered is your country and language choice (a small cookie), so the currency can be suggested next time — never a figure you typed. Anonymous counters record that a calculation happened, not what it was.