MAXScanner Calculator

SIP Calculator

Estimate SIP future value from monthly investment, expected annual return and investment period using a stated monthly contribution timing assumption.

Live editable inputs

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Formula and working

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Assumptions visible

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Inputs

Starting monthly SIPExpected annual return %Planning assumption; this owner divides the entered annual rate by 12 for the monthly model.Investment yearsAnnual SIP step-up %Inflation %Used only for purchasing-power context.

Results

1,393,471.2 projected corpus

Total invested: 754,673.55

Estimated growth: 638,797.61

Fixed-contribution corpus at the same rate: 1,161,695.4

Step-up uplift versus fixed contribution: 231,775.78

Final monthly contribution: 7,756.6411

Inflation-adjusted projected value: 778,107.02

Show the working

1. Periodic monthly rate = 12% ÷ 12 = 1% per month; periods = 120.
2. Starting contribution 5,000 increases by 5% after each 12 completed contributions; final monthly contribution = 7,756.6411.
3. Projected corpus from the monthly sequence = 1,393,471.2; total contributed = 754,673.55; estimated growth = 638,797.61.
4. Inflation-adjusted value = 1,393,471.2 ÷ (1 + 6/100)^10 = 778,107.02.

Illustration only: securities and mutual-fund returns are not fixed or guaranteed.

This owner interprets annual expected return as a nominal planning rate divided by 12. Some calculators instead convert an effective annual rate to an effective monthly rate; do not compare outputs without matching that convention.

Contributions are modeled at the start of each month. Taxes, fees, exit loads and product-specific rules are not modeled.

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How to use this calculator

Model a regular SIP as a sequence of monthly contributions rather than as one lump sum. MAXScanner can project a starting monthly SIP forward or reverse-solve the starting contribution needed for a target corpus, with optional annual step-up and inflation context. The current owner uses a nominal monthly planning rate equal to the entered annual expected return divided by 12 and invests each contribution at the start of the month.

Step-by-step

Step 1
Choose Project my SIP when the monthly contribution is known, or SIP needed for target when the desired corpus is known.
Step 2
Enter investment years, an expected annual return assumption and any annual contribution step-up.
Step 3
Use inflation only as purchasing-power context, then inspect total contributed, estimated growth, final monthly contribution and the visible monthly-rate convention.

How the result is calculated

Monthly model: r = annual expected return ÷ 12 ÷ 100; balance(next) = (balance + contribution) × (1+r). Contributions are modeled at the start of each month.

Where this calculator is useful

Illustrative recurring-investment scenario comparison

Use the result as a check within this type of task, with the assumptions shown above.

Reverse-solving a starting contribution for a future target

Use the result as a check within this type of task, with the assumptions shown above.

Comparing fixed and annually stepped-up contribution paths

Use the result as a check within this type of task, with the assumptions shown above.

Common questions

Does the expected return mean the SIP will actually earn that rate?

No. It is a mathematical assumption for illustration. Securities and mutual-fund returns are not fixed, and actual returns can be higher, lower or negative.

How does this calculator convert the annual return to a monthly rate?

It divides the entered annual expected return by 12 and uses that periodic rate in a beginning-of-month contribution model. Some calculators use an effective-monthly conversion instead, so results should only be compared when the convention matches.

What does annual SIP step-up mean here?

After each 12 completed monthly contributions, the next monthly contribution increases by the entered percentage. The calculator shows the final monthly contribution and compares a stepped-up projection with the fixed-contribution path.

Does the inflation field change the projected corpus?

No. It only expresses the projected corpus in inflation-adjusted purchasing-power terms; it does not reduce the nominal modeled corpus.