How it works
Systematic investing (called SIP in some countries, dollar-cost averaging in the US) means investing a fixed amount regularly. You buy more shares when prices are low, fewer when high — automatically.
FV = C × ((1+r)n − 1) / r
Where C is the monthly amount, r monthly return, n months. Try raising the monthly amount by just $100 — the long-term difference is staggering.
Frequently asked questions
What return should I assume?
10% is the long-run US stock average; 7% after inflation. For planning, many advisors suggest 6–7% to be safe.
Lump sum or monthly?
Studies favor lump sum (markets rise ~2/3 of the time), but monthly investing is better behaviorally — and better than waiting.
Does this include inflation?
No — these are nominal dollars. Subtract ~3% yearly for a rough real (today's dollars) figure.
Disclaimer: This calculator provides estimates for educational purposes only and is not financial, tax, or legal advice. Consult a qualified professional before making financial decisions.