SIP Calculator
Project the future value of monthly Systematic Investment Plan (SIP) contributions with an optional annual step-up. Compounding happens monthly to match real-world SIP timing. Runs in your browser.
About SIP Investing
A Systematic Investment Plan (SIP) grows wealth through regular monthly contributions compounded monthly. The optional annual step-up models increasing your contribution as your income grows. For lump-sum growth use theCompound Interest Calculator.
Secure & Private Client-Side
This tool runs entirely in your browser. No data is sent to any server, ensuring your information remains private and secure.
About SIP Calculator
Project the future value of monthly Systematic Investment Plan (SIP) contributions with an optional annual step-up. Compounding happens monthly to match real-world SIP timing. Runs in your browser.
Frequently Asked Questions
How is the future value computed? expand_more
Each contribution is compounded monthly at the monthly rate (annual rate / 12) until the end of the term. Contributions are added at the start of each month, matching typical SIP behavior.
What is step-up SIP? expand_more
Step-up means increasing your monthly contribution by a fixed percentage each year as your income grows. Even 5-10% annual step-up dramatically boosts the final corpus.
Are returns guaranteed? expand_more
No. The expected annual return is a planning assumption. Real SIP returns fluctuate with the market, especially for equity funds.
How does SIP differ from a lump sum? expand_more
SIP spreads investments over time, averaging purchase prices and reducing timing risk. For a one-time investment use the [Compound Interest Calculator](/tools/compound-interest-calculator/).
Is this financial advice? expand_more
No. This is a planning estimate assuming a constant monthly rate of return.
Common Use Cases
- Mutual Funds: Project the future value of monthly SIP investments.
- Goal Planning: Find the monthly contribution needed for a target corpus.
- Step-Up SIPs: Model annual increases as your income rises.
- Comparison: Evaluate different funds by changing the expected return.