SIP Calculator

This SIP calculator projects how a regular monthly investment can grow over time when returns compound and contributions continue consistently. It is especially useful for long-term accumulation planning, retirement investing, and goal-based investing.

The power of a SIP is usually not the first few months of growth. It is the discipline of recurring contributions combined with a long compounding runway. That makes time horizon and contribution increases just as important as the assumed return.

If you expect to raise your SIP amount every year, the step-up option helps you model a more realistic progression rather than assuming your contribution stays flat forever.

Enter your monthly SIP amount, expected annual return, and investment horizon.

Add an initial lump sum or annual step-up percentage in Advanced options if those apply to your plan.

Compare invested capital and projected value to understand how much of the final number comes from market growth.

The calculator simulates the investment monthly using an effective monthly growth rate derived from the annual return assumption.

If a step-up is entered, the monthly SIP amount increases once per year after each completed 12-month block.

This is a planning estimate. Actual market returns are volatile and will not arrive in a straight line.

A 1,000 monthly SIP over 15 years can build meaningful wealth, but the outcome changes quickly when the horizon is extended to 20 or 25 years.

Adding an annual step-up can be more impactful than chasing a slightly higher return assumption because it increases the capital base contributing to future growth.

Projected value is the estimated ending portfolio size. Invested capital is the amount you put in directly. Estimated gain is the difference created by market growth.

The value multiple helps you compare scenarios quickly, especially when testing different horizons or step-up rates.