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SIP Calculator with Step‑Up Feature

Calculate maturity value of your SIP with optional yearly step‑up and view year‑on‑year growth

Monthly Investment (₹)

Expected Annual Return (%)

Duration (Years)

Annual Step‑Up (%)

Step‑Up Frequency (Years)

The total value of your investment after 10 Years will be

₹ 0

Invested Amount

₹ 0

Est. Returns

₹ 0

Year‑on‑Year Growth

₹0

Total Invested

₹0

Estimated Returns

₹0

Maturity Value

SIP Simulation

Step‑Up SIP

Donut Chart Overview

Y‑o‑Y Growth Chart

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What is a SIP Calculator?

A Systematic Investment Plan (SIP) Calculator helps you estimate the future value of your investments by simulating the effect of disciplined, periodic contributions. This tool simplifies financial planning by projecting how your money can grow over time, factoring in expected returns, duration, and optional step-ups to reflect increasing income.

📊 Investment Insights

Invested vs Returns: Understand how much comes from your own contributions vs market growth
Maturity Value: View the estimated corpus at the end of your chosen investment period
Step-Up SIP: Simulate annual increases in SIP amount to reflect income growth
Flexible Inputs: Adjust monthly amount, expected return, duration, and more
Visual Breakdown: Donut and line charts offer a clear picture of your growth

📈 Year-on-Year Visualization

Growth Curve: See how your investment compounds annually
Milestone Tracking: Monitor progress toward long-term financial goals
Interactive Graph: Hover for precise value at each year
Compounding Effect: Visualize exponential growth over time
Data-Driven Planning: Make informed decisions using clear visuals

🎯 Ideal For

New Investors: Understand how SIPs work before committing real money
Salary Earners: Plan long-term wealth creation through monthly contributions
Parents: Save for children's education or marriage through goal-based planning
Retirement Planners: Visualize corpus needed for a secure future
Financial Advisors: Showcase projections to clients using interactive data

⚙️ Functional Highlights

Step-Up Frequency: Adjust how often your SIP increases
Reset Option: Quickly clear inputs to try new scenarios
Responsive Charts: Fully mobile-friendly visualizations
No Sign-Up Needed: Use instantly without any registration
Data Privacy: No personal data is stored or shared

🚀 Why Use This SIP Calculator?

This tool offers a user-friendly interface with powerful back-end calculations to give accurate maturity projections. Unlike generic calculators, it includes step-up options, interactive visuals, and detailed breakdowns, helping you make smarter investment decisions. Whether you're investing ₹500 or ₹50,000 monthly, this calculator adapts to your goals and simplifies your wealth creation journey.

❓ FAQs

What does this tool do?
This tool calculates the maturity value of your Systematic Investment Plan (SIP) and shows year-on-year growth. You can also include an optional yearly step-up to increase your investment over time.
What details do I need to provide?
You need to enter your monthly SIP amount, expected annual return rate, investment period, and (optionally) the percentage by which you want to increase your SIP every year.
How does the yearly step-up feature help?
The step-up feature increases your SIP contribution automatically each year, allowing you to invest more as your income grows and build a larger corpus by maturity.
Does this calculation include market fluctuations?
No, the calculator uses a fixed expected return rate for projections. It does not account for market volatility or changes in interest rates.