SIP & Return Calculator
Invest a fixed amount every month — into funds, stocks, gold or crypto — and project what it grows into. Add an annual step-up to match your rising income.
Your plan
Year-by-year breakdown
| Year | Invested | Est. returns | Balance |
|---|
Why monthly investing works
A SIP — Systematic Investment Plan, known in the West as dollar-cost averaging — removes the two hardest problems in investing: timing the market and staying consistent. By investing the same amount every month you automatically buy more units when prices are low and fewer when they are high, and your money starts compounding from the very first instalment.
The projection here simulates every month of your plan: your balance grows at the monthly equivalent of your expected annual return, your instalment is added, and — if you enable step-up — the instalment rises once a year. The chart splits your final corpus into what you paid in versus what the market added.
The step-up advantage
Most people's incomes rise over time, but their investments stay flat. A step-up SIP fixes that: increasing a 500/month plan by just 10% a year turns roughly 6,000 of first-year investing into a final corpus dramatically larger than a flat SIP — often 40–60% more over 15+ years. Try toggling the step-up slider and watch the invested band in the chart curve upward.
Choosing an expected return
- Broad index funds — long-run historical averages of 7–12% a year depending on the market.
- Bonds / fixed income — typically 4–7%.
- Individual stocks, property, crypto — too variable for a single honest number; run the calculator at pessimistic and optimistic rates and plan between them.