Project the maturity value of a monthly systematic investment plan, with optional annual step-up.
Understanding the sip calculation
A systematic investment plan invests a fixed amount every month regardless of market level, which averages your purchase price over time. This calculator compounds each monthly instalment for the time it stays invested.
The step-up option raises your contribution by a set percentage each year, which typically matches salary growth and has an outsized effect on the final total.
Getting your answer
- Enter your monthly investment and expected return.
- Set the investment period in years.
- Add an annual step-up percentage or a one-time lump sum.
The maths behind it
each month: balance = (balance + instalment) × (1 + monthly rate)
step-up raises the instalment once per year
Try it with these numbers
On the values this calculator opens with, the maturity value is $116,169.54. Underneath, Total invested comes out at $60,000 and Estimated returns at $56,169.54. Change any field and every figure updates as you type.
Frequently asked questions
What return should I assume for a SIP?
Equity funds have historically returned around 10–12% annually over long periods in some markets, but returns are not guaranteed and vary by fund and country.
Does a step-up SIP make much difference?
Considerably. Even a 10% annual step-up can raise the maturity value by a third or more over fifteen years.
Is SIP better than a lump sum?
SIP reduces timing risk by spreading purchases. A lump sum invested earlier has more time to compound. This is a comparison tool, not advice.