Monthly Investment (SIP) Calculator
Systematic monthly investing with an optional yearly step-up.
How to use the Monthly Investment (SIP) Calculator
- Enter your figures in the fields above — results update instantly as you type.
- Choose your currency symbol (the maths is the same in any currency).
- Use Share result to save a link that reloads your exact inputs, or Print for your records.
- Compare scenarios by changing one input at a time and noting how the main result moves.
Formula
Each month: Balance = Balance × (1 + m) + Contribution m = (1 + annual rate)^(1/12) − 1; contribution rises by the step-up % each yearWorked example
500 a month at 10% for 20 years with a 5% annual step-up invests about 198,000 and can grow to roughly 511,000 under constant returns.
Frequently asked questions
Are returns guaranteed?
No. Market returns vary; use this to compare scenarios, not as a forecast.
Why use a step-up?
Contributions that grow with income compound on a larger base each year without feeling like a bigger sacrifice.
Learn more
Assumptions & limits
Results are estimates based on the inputs you provide and the formula shown, rounded for display. They do not account for every fee, tax rule or market condition. This tool is educational and is not financial, tax or legal advice — confirm important decisions with a qualified professional.
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