How to Calculate SIP & Monthly Investment
Future value of a monthly investment plan, with optional annual step-up.
How this number is built
Calculating it yourself
Step 1
Set the monthly amount you can commit to without interruption.
Step 2
Use a return assumption appropriate to the asset class, not the best year you have seen.
Step 3
Choose a horizon of at least seven to ten years for equity-linked plans.
Step 4
Add an annual step-up matching your expected salary growth.
Step 5
Compare the inflation-adjusted figure against the goal you are actually saving for.
What people ask next
Is SIP better than investing a lump sum?
A lump sum wins on average when markets rise, but a SIP removes timing risk and matches how income actually arrives. Behaviourally, most people stick with a SIP.
What return should I assume?
Use the long-run average for your asset mix and then re-run the model two or three points lower to see how sensitive your goal is.
Searches this page answers
| Related search | Goes to |
|---|---|
| sip calculator | SIP & Monthly Investment Calculator |
| monthly investment plan returns | SIP & Monthly Investment Calculator |
| systematic investment plan | SIP & Monthly Investment Calculator |
| sip vs lumpsum | SIP & Monthly Investment Calculator |
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