5,000 a month at 12% for 10 years
Invest $5,000.00 at the start of each month, at 12% a year, for 10 years (120 deposits).
Future value $1,161,695.38. Invested $600,000.00. Growth $561,695.38.
SIP calculator
An amount on a schedule you choose, at a return you type. Leave the step-up at 0% for a flat SIP. Above 0%, the amount rises once a year. Inflation only restates the ending value. Beside it: that same total, invested on the first day instead of in instalments.
Symbol only. Amounts are not converted.
%
0% keeps the amount fixed. 10% raises it once a year.
%
%
0% shows the nominal result only.
Future value
$1,161,695.38
120 deposits.
- Invested
- $600,000.00
- Growth
- $561,695.38
- Invested at the start
- $1,980,232.14
SIP$1,161,695.38
Invested at the start$1,980,232.14
0510
Next: Lump sum calculatorThe same total, invested on day one.
Deposit at the start of each month. A step-up raises that amount once a year. The return compounds every month. Inflation only restates the ending value. “Invested at the start” is not an extra payment. It is the same total, put in on the first day instead of in instalments.
The numbers, period by period
| Period | Invested | Growth | Value |
|---|---|---|---|
| Year 1 | $60,000.00 | $4,046.64 | $64,046.64 |
| Year 2 | $120,000.00 | $16,216.00 | $136,216.00 |
| Year 3 | $180,000.00 | $37,538.24 | $217,538.24 |
| Year 4 | $240,000.00 | $69,174.17 | $309,174.17 |
| Year 5 | $300,000.00 | $112,431.83 | $412,431.83 |
| Year 6 | $360,000.00 | $168,785.15 | $528,785.15 |
| Year 7 | $420,000.00 | $239,894.99 | $659,894.99 |
| Year 8 | $480,000.00 | $327,632.83 | $807,632.83 |
| Year 9 | $540,000.00 | $434,107.53 | $974,107.53 |
| Year 10 | $600,000.00 | $561,695.38 | $1,161,695.38 |
How this is calculated
- Step 1
You invest
The amount goes in at the start of the year, month, week, or day.
- Step 2
It earns
That period’s return is applied to the balance, including the new deposit.
- Step 3
Next period
A step-up, if you set one, raises the amount once a year.
Future value of a beginning-of-period annuity
M = P × (((1 + i)^n − 1) ÷ i) × (1 + i)
| P | Amount invested each year, month, week, or day. It steps up once a year when that rate is above zero. |
|---|---|
| i | Rate per period: the annual return divided by 1, 12, 52, or 365. |
| n | Number of deposits. |
The line above is a flat deposit. A step-up above 0% uses that same line once per year, with P raised on each anniversary, and the years joined together.
The trailing (1 + i) is the beginning-of-period assumption. A weekly or daily plan uses the same formula with more, smaller periods. A 10-year monthly plan is the starting example: 5,000 a period at 12%.
The step-up SIP calculator is this math opened on a monthly deposit that already rises once a year.
Invested at the start is not a second contribution. It is the same money the SIP pays in, put in on the first day instead. It finishes higher when the rate is positive because the money is compounding for longer. A one-time amount of your own is the lump sum calculator.
The rate is a constant you choose. It is not a forecast, and it is not reduced by an expense ratio. Lower the rate yourself if you want a rough net-of-fee figure.
For an end-of-month deposit, or a starting balance plus later deposits, use the compound interest calculator. To take money out of a sum on a schedule, use the SWP calculator.
Worked examples
Loading an example fills the tool and scrolls you back to the result. Money examples stay in US dollars on the page. The symbol you picked changes; the numbers do not convert.
A longer horizon at 10%
Invest $10,000.00 at the start of each month, at 10% a year, for 15 years (180 deposits).
Future value $4,179,242.66. Invested $1,800,000.00. Growth $2,379,242.66.
Five years at 8%
Invest $3,000.00 at the start of each month, at 8% a year, for 5 years (60 deposits).
Future value $221,900.11. Invested $180,000.00. Growth $41,900.11.
Embed this calculator
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<iframe src="/embed/sip" title="SIP calculator" width="100%" height="720" style="border:0;max-width:42rem" loading="lazy"></iframe>Questions
What does SIP mean here?
A systematic investment plan: an amount invested on a schedule you choose, yearly, monthly, weekly, or daily. A step-up above 0% raises that amount once a year. The page does not know which fund you hold. It only applies the rate you type.
Why is this higher than the compound-interest calculator?
Each deposit is treated as made at the start of the month, so it earns that month’s return. The compound interest calculator puts deposits at the end of the month.
Is the expected return guaranteed?
No. Markets do not pay a flat monthly rate. Use the result to compare a horizon and a contribution, not to predict a fund.
Does this deduct tax or a fund expense ratio?
No. Type a lower return if you want a rough figure after fees. Currency is a symbol only. The tool does not convert rupees to dollars or the reverse. The step-up SIP calculator is the same math, opened on a monthly deposit that rises once a year.