Estimate what a monthly SIP (systematic investment plan) could grow to, with an optional yearly step-up in the amount you invest.
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With monthly investment 10,000, expected annual return (%) 12, investment period (years) 10, yearly step-up in the monthly amount (%) 0, the estimated maturity value is $2,323,390.76.
| Monthly investment | 10,000 |
|---|---|
| Expected annual return (%) | 12 |
| Investment period (years) | 10 |
| Yearly step-up in the monthly amount (%) | 0 |
| Estimated maturity value | $2,323,390.76 |
|---|---|
| Amount invested | $1,200,000.00 |
| Estimated returns | $1,123,390.76 |
| Monthly investment in the final year | $10,000.00 |
Amounts are shown in US dollars for illustration. Choose your own currency in the calculator above; it labels amounts and does not convert them.
Enter how much you invest each month, the return you expect and for how long. Each instalment is assumed to be invested at the start of the month and to grow at a constant rate. A step-up raises the monthly amount once a year, which often matters more than small differences in return.
Maturity value = P × ((1 + i)^n − 1) ÷ i × (1 + i), where P = monthly amount, i = annual return ÷ 12 ÷ 100 and n = months. Enter how much you invest each month, the return you expect and for how long. Each instalment is assumed to be invested at the start of the month and to grow at a constant rate. A step-up raises the monthly amount once a year, which often matters more than small differences in return.
With monthly investment 10,000, expected annual return (%) 12, investment period (years) 10, yearly step-up in the monthly amount (%) 0, the estimated maturity value is $2,323,390.76. Amount invested: $1,200,000.00; Estimated returns: $1,123,390.76; Monthly investment in the final year: $10,000.00.
This is an estimate based on the inputs and assumptions shown on this page, not professional advice. Check anything with financial, health or safety consequences independently.
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Yes. Pick from 33 currencies and the amounts are labelled to match. The selector does not convert between currencies, so enter prices in your own currency.
No. The calculator assumes a constant return so you can compare scenarios, but mutual fund returns vary and can be negative in some years.
It increases your monthly investment by the percentage you choose once every year, for example as your salary rises.