Project fixed or annual step-up SIP contributions, solve a nominal goal and compare inflation or separately funded lump-sum assumptions.
01 / YOUR INVESTMENT PLAN
A SIP is a regular investment plan. Choose how much and how often to invest, then explore an assumed return. Values are estimates, not promises.
02 / INVESTMENT BREAKDOWN
Blue: total invested. Purple: estimated value. Their difference is growth or loss. The final partial year is plotted at its actual duration; annual snapshots below retain the same underlying calculations.
| Year | Completed periods | Current period contribution | Cumulative contributions | Projected balance | Projected growth |
|---|---|---|---|---|---|
| 1 | 12 | $1,000.00 | $12,000.00 | $12,433.89 | $433.89 |
| 2 | 24 | $1,000.00 | $24,000.00 | $25,862.48 | $1,862.48 |
| 3 | 36 | $1,000.00 | $36,000.00 | $40,365.37 | $4,365.37 |
| 4 | 48 | $1,000.00 | $48,000.00 | $56,028.49 | $8,028.49 |
| 5 | 60 | $1,000.00 | $60,000.00 | $72,944.65 | $12,944.65 |
| 6 | 72 | $1,000.00 | $72,000.00 | $91,214.11 | $19,214.11 |
| 7 | 84 | $1,000.00 | $84,000.00 | $110,945.12 | $26,945.12 |
| 8 | 96 | $1,000.00 | $96,000.00 | $132,254.62 | $36,254.62 |
| 9 | 108 | $1,000.00 | $108,000.00 | $155,268.88 | $47,268.88 |
| 10 | 120 | $1,000.00 | $120,000.00 | $180,124.27 | $60,124.27 |
SIP is a contribution strategy, not a guaranteed-return product. Returns, step-ups and inflation are user assumptions. This does not recommend a fund or prescribe investments; taxes and fees are not included.
03 / OPTIONAL RETURN ASSUMPTIONS
These are editable hypothetical annual return assumptions, not guaranteed returns. All scenarios keep the same payment amounts, duration, frequency, timing, step-ups and inflation assumptions. Expected follows the main return assumption until you edit it here.
| Scenario | Annual return | Total invested | Estimated growth / loss | Estimated value | Inflation-adjusted value |
|---|---|---|---|---|---|
| Conservative | 4% | $120,000.00 | $26,695.92 | $146,695.92 | Not requested |
| Expected | 8% | $120,000.00 | $60,124.27 | $180,124.27 | Not requested |
| Optimistic | 12% | $120,000.00 | $101,930.04 | $221,930.04 | Not requested |
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Contributions are placed on a defined monthly or quarterly timeline. Annual step-ups begin in contribution-year two, and effective periodic returns, goals and purchasing power remain explicitly labeled assumptions.
Inspect fixed, annual step-up and goal plans with effective annual conversion, cash-to-goal cent ceilings and annual contribution snapshots.
SIP Calculator inputs and calculations remain in browser memory. No external processing API receives entered measurements, formulas, dates or financial values. Ordinary website page requests may still be logged. Clipboard access occurs only when you choose Copy Result.
The annual input is an effective annual return assumption. Monthly rate = (1 + annual rate)^(1/12) − 1, or the analogous fourth root for quarterly contributions. It is not annual rate divided by twelve relabeled as effective.
The contribution for period k is base times (1 + step-up)^floor((k−1)/frequency). The first monthly increase is contribution 13, or quarterly contribution 5, beginning contribution-year two. The first year is not increased retroactively.
Future value is total contributions. A fixed 1000 monthly for 12 months gives 12000; 24 months gives 24000. With a 10% annual increase for year two, the 24-month total becomes 25200.
The same timeline is evaluated for a unit base contribution, and the nominal target is divided by that factor. The payable base is rounded upward to cents, then the displayed projection uses that amount instead of promising a target from a rounded-down payment.
Purchasing power divides projected value by (1 + entered inflation)^years. A lump-sum comparison uses separately entered upfront capital, which need not equal SIP’s total contributed cash; the scenarios are not automatically funding-equivalent.
No. SIP is a contribution strategy, not a guaranteed-return product. Return, step-up and inflation values are assumptions. The model excludes taxes and fees and does not recommend a fund or prescribe an investment plan.