About the SIP Calculator
Estimate what a Systematic Investment Plan could grow to. Add an annual step-up to see the effect of raising your SIP every year. Returns are assumed constant, and real market returns will vary.
How to use
- Enter your monthly amount, expected annual return and duration.
- Optionally add a yearly step-up percentage.
Formula
FV = P × [((1+i)^n − 1) ÷ i] × (1+i), where i = monthly rate
Frequently asked questions
What is a SIP?
A Systematic Investment Plan invests a fixed amount at regular intervals, usually monthly, into a mutual fund. It is similar to dollar-cost averaging.
What is a step-up SIP?
A step-up SIP raises your monthly investment by a fixed percentage every year, often in line with salary growth. It can grow your final corpus significantly.
Are SIP returns guaranteed?
No. The calculator assumes a constant return for illustration. Real market returns vary and can be negative in some years.