SIP Calculator

Flat SIP projection assumes monthly contributions, monthly compounding, and a constant expected annual return. Goal mode solves the same compounding math in reverse for flat SIP and lumpsum plans, while step-up SIP comparisons are simulated year by year against the selected return scenario.

• Monthly SIPs are assumed to be invested regularly without skips or delays.
• Expected return remains constant through the full investment horizon.
• Scenario bands change the working return assumption only; they do not alter contribution timing or fund costs.
• Projection ignores fund-level taxes, exit loads, and expense-ratio drag unless modeled separately.
• Uses the current contribution pattern with the entered expected return.

• Actual mutual fund returns will vary and can be negative over shorter periods.
• The model does not account for sequence-of-returns risk or market volatility between contributions.
• Real-life SIP changes such as pauses, bonus top-ups, and redemption timing are not included by default.
• Step-up SIP target estimates are numerical approximations built from the step-up projection engine rather than a closed-form formula.

Compare the flat SIP against a modest annual step-up before increasing the return assumption, because contribution growth is usually the safer lever.