SIP / Investment Growth Calculator
Project monthly SIP or recurring-investment growth with editable return, contribution timing and annual step-up assumptions.
Project SIP investment growth
Model recurring monthly contributions with an editable annual return and optional yearly contribution step-up.
How the SIP investment growth calculator works
This calculator compounds the current balance monthly and adds the recurring contribution at either the beginning or end of each month. If you use a step-up percentage, the monthly contribution increases after each completed 12-month block.
Why contribution timing matters
A contribution made at the beginning of a month receives one additional month of modeled growth compared with an equal contribution made at month-end. Over long periods, that timing difference can become visible.
What the projected value means
The result is a scenario, not a prediction. The assumed annual return is converted to an equivalent monthly compound rate. Real investments do not normally earn the same return every month, and sequence of returns can materially change outcomes.
Use step-up assumptions carefully
An annual SIP step-up can model future increases in recurring contributions. It is useful for scenario planning, but only choose a step-up that is realistic for your own cash-flow assumptions.
Important financial limitation
This tool does not model product fees, taxes, inflation, investment risk, missed contributions or market volatility. It is a mathematical planning calculator, not investment advice or a guarantee of future returns.