SIP Calculator
Project the maturity value of a Systematic Investment Plan from your monthly contribution, an assumed annual return, and the time horizon, with an optional yearly step-up. It shows how much of the final corpus is your own money versus growth.
SIP Calculator
Estimate SIP maturity amount using monthly investment, expected return, duration, and annual step-up.
This projection compounds monthly and applies step-up once per year. Actual returns depend on market behavior and fund performance.
Use this to compare long-term plans, evaluate step-up discipline, and set realistic wealth targets.
Why SIP outcomes look surprising
A SIP invests a fixed amount every month, and each installment compounds for the remaining time. Because the earliest contributions compound the longest, the final value is dominated by growth in a long plan - often the gains exceed the total you put in. This is the effect that makes a modest monthly amount grow into a large corpus over 15-20 years.
The assumed return is the biggest lever and the biggest uncertainty. Equity markets do not return a smooth fixed percentage; they average out over long periods with big swings along the way.
Using the step-up
A step-up raises your monthly contribution by a set percentage each year, usually to match salary growth.
- Even a 10% annual step-up dramatically increases the final corpus versus a flat contribution.
- Test a conservative return (say 10-11%) as well as an optimistic one so your plan survives a weak market.
- Longer horizons matter more than higher contributions - time is the strongest factor in compounding.
Explore more free tools
Keep your workflow moving with other Utility Hub tools that pair well with SIP Calculator. Jump straight into another task without leaving the site.
FAQs
Is the projected return guaranteed?▼
No. The return you enter is an assumption. Real mutual fund and equity returns vary year to year and can be negative in some periods. Treat the result as a scenario, not a promise, and run a lower-return case too.
What return rate should I assume?▼
It depends on the asset. Long-run equity averages are often modeled around 10-12%, debt funds lower. Using a conservative figure gives a more realistic floor for planning.
Does it account for inflation or taxes?▼
This version projects the nominal corpus before inflation and capital-gains tax. To judge real buying power, mentally discount the result by your expected inflation, and remember gains may be taxed on redemption.
What does the step-up option do?▼
It increases your monthly investment by the percentage you set at the start of each year, mimicking how people invest more as income rises. It usually has a large effect on the final value.
More tools from Calculators
Continue with related utilities when this task is part of a bigger workflow.