SIP calculator
Explore monthly investing, annual step-up and inflation.
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Understanding your calculation
An illustration, not a promised return. Assumed effective annual growth is converted to a monthly rate. Annual contribution increases apply after each 12 deposits. Excludes taxes and investment costs; negative returns are possible.
- Enter your own values and choose the applicable calculation options.
- Review the breakdown and assumptions; change one input to compare a scenario.
- Download the calculation CSV to retain your inputs and result for independent checking.
Limits and checks
Inputs are validated locally. Results are estimates using the stated model, without live market data, automatic tax classification or personalized financial advice.
Frequently asked questions
What assumptions does the sip calculator use?
An illustration, not a promised return. Assumed effective annual growth is converted to a monthly rate. Annual contribution increases apply after each 12 deposits. Excludes taxes and investment costs; negative returns are possible.
Is my content sent to a server?
No. Processing runs inside your browser. Optional editor recovery saves a draft on this device only. Read the privacy policy.
Can I rely on this as a financial decision?
No. Check the model, inputs and assumptions independently. Real borrowing costs, returns, fees and trading losses can differ. Consult a qualified professional when appropriate.