SIP Calculator
Estimate the future value of monthly SIP investments with compounding and optional step-up contributions.
SIP inputs
Enter monthly investment, expected return, investment period, and optional step-up assumptions.
Currency
Amount invested every month.
Estimated annual return. Actual returns may vary.
Total SIP duration.
Optional yearly increase in monthly SIP amount.
Optional starting lump sum.
Optional comparison return.
Estimated maturity value
£115,019
Projected after 10 years.
Estimated returns
£55,019
Maturity value minus invested amount.
Total invested
£60,000
Monthly SIPs plus optional initial investment.
Return multiple
1.92×
Maturity value divided by total invested.
Return on invested amount
91.70%
Estimated returns as a share of invested amount.
Final monthly SIP
£500
No step-up applied.
Benchmark value
£91,473
Projected at 8.00% annual return.
Benchmark difference
£23,546
Difference versus benchmark projection.
Support
Investment support layer
Formula based
Estimates monthly SIP growth using monthly compounding from the expected annual return.
Estimate only
SIP returns are not guaranteed. Market returns, taxes, fees, and fund performance can change actual outcomes.
Goal focused
Use SIP estimates to compare contribution levels, time periods, step-up plans, and long-term goals.
Interpretation
What these SIP results mean
Projected maturity value
Investing £500 monthly for 10 years could grow to about £115,019 based on your inputs.
Invested amount
Your total invested amount is about £60,000, including monthly investments and any initial investment.
Estimated wealth gain
Estimated returns are about £55,019, before taxes, fees, exit loads, and market variation.
Step-up effect
Adding a step-up can increase long-term maturity value by gradually raising monthly contributions.
Benchmark comparison
Compared with a 8.00% benchmark, your projection is £23,546 higher.
Monthly return assumption
The calculator uses an approximate monthly return of 1.00% based on the annual expected return entered.
SIP basics
How SIP investing works
Regular investing
SIP invests a fixed amount on a schedule, often monthly, instead of investing everything at once.
Rupee or cost averaging
Regular investing can average purchase prices over time, though it does not remove market risk.
Time in market
Longer investment periods give contributions more time to compound, but outcomes still depend on returns.
Compounding
Returns can earn further returns over time, which is why long-term SIP growth can accelerate.
Comparison
SIP vs lump sum investing
SIP investing
Regular contributions
SIP spreads investments over time and can be easier for monthly budgeting and disciplined investing.
Lump sum investing
One-time investment
Lump sum investing puts more money to work immediately, but timing risk may be higher if markets move sharply.
Step-up
Step-up SIP and contribution growth
Annual increase
A step-up SIP increases the monthly investment by a chosen percentage each year.
Income alignment
Step-ups can help align investing with expected income growth or savings capacity.
Long-term impact
Even small yearly increases may materially affect maturity value over long periods.
Use cases
Common SIP calculator use cases
Retirement planning
Estimate how monthly investments may grow over decades.
Education goals
Plan long-term investing for future education costs.
Wealth building
Compare different monthly investment amounts and time periods.
Step-up planning
Estimate how yearly SIP increases may affect maturity value.
Benchmark comparison
Compare a SIP projection with another expected return assumption.
Savings discipline
Understand the long-term impact of consistent monthly investing.
Formula
SIP formula explanation
Monthly SIP future value
FV = P × [((1 + r)^n − 1) / r] × (1 + r)P is the monthly SIP amount, r is the monthly return rate, and n is the number of months.
Invested amount
Invested Amount = Monthly SIP × Number of MonthsWith step-up SIP, invested amount is the sum of all monthly investments over time.
Estimated returns
Estimated Returns = Maturity Value − Invested AmountEstimated returns show the growth above total invested contributions.
FAQ
SIP calculator questions
SIP stands for Systematic Investment Plan. It means investing a fixed amount regularly, usually monthly, into a mutual fund or investment plan.