SIP Calculator
Project the maturity value of a monthly SIP, with step-up, goal-based and inflation-adjusted views.
Project the maturity value of a monthly SIP, with step-up, goal-based and inflation-adjusted views.
Invested
US$600,000.00
Est. returns
US$561,695.38
Maturity value
US$1,161,695.38
Real value (infl-adj)
US$648,684.63
A SIP (Systematic Investment Plan) invests a fixed amount every month. This shows the future maturity value and demonstrates how compounding turns small, regular investments into significant wealth.
🔢 Your calculation, step by step:
Monthly = 5,000, return = 12%/yr, term = 10 yri = 12% / 12 / 100 = 0.010000M = P × [((1+i)^n − 1) / i] × (1+i)Invested 600,000 → matures to 1,161,695.38Variable Definitions:
✅ Best used for:
⚠️ Limitations:
Each monthly instalment earns returns, and those returns earn further returns. Over long horizons this compounding dominates the final value.
Raising your monthly amount by a fixed percentage each year keeps pace with income growth and dramatically increases the maturity value.
Lumpsum can win in a steadily rising market; SIP averages your entry price and is easier to sustain from monthly income.