SIP Calculator
Project the maturity value of a monthly mutual-fund SIP, including an optional annual step-up, and see exactly how much is your contribution versus market-driven returns.
About the SIP Calculator
A Systematic Investment Plan (SIP) invests a fixed amount every month. Because each installment compounds for a different length of time, the future value is the sum of an annuity-due series: FV = P × [((1+i)ⁿ − 1) / i] × (1+i), where i is the monthly return and n the number of months. A step-up SIP raises the monthly amount by a fixed percentage each year, which materially increases the final corpus without a large upfront commitment.
Frequently asked questions
- How is SIP maturity value calculated?
- It uses the future value of an annuity-due: FV = P × [((1+i)ⁿ − 1) / i] × (1+i), where P is the monthly investment, i is the monthly return (annual return ÷ 12 ÷ 100) and n is the number of months. The step-up option increases P by a set percentage each year.
- What is a step-up (top-up) SIP?
- A step-up SIP increases your monthly contribution by a fixed percentage every year — for example +10% annually — so your investing keeps pace with rising income. Even a modest step-up can significantly grow the maturity corpus compared with a flat SIP.
- Are SIP returns guaranteed?
- No. SIPs in mutual funds are market-linked, so returns vary year to year. The expected-return input is an assumption for projection only; actual results depend on fund performance.