SIP & MONTHLY INVESTING

POPULAR IN INDIA

See how a monthly SIP may grow or what SIP may be required for a goal.

Estimate future value, include existing investments, model an annual step-up, work backwards from a goal, or estimate how long a target corpus may take.

SIP means Systematic Investment Plan. It is the common Indian term for investing a set amount at regular intervals. In other markets, the same idea is often called recurring or regular investing.

SIP future valueGoal SIPTime to targetStep-up SIPExisting lump sumCountry-aware currencies

THE IDEA

Monthly SIP→Investment growth→Future value

A SIP is a recurring investment method. This calculator models the arithmetic of regular contributions and assumed returns; it does not predict or guarantee investment performance.

UNDERSTAND BEFORE YOU MODEL

Understand recurring investing before you model it.

See how recurring contributions, time and compounding work together before you test return, contribution and step-up assumptions.

Read the guide Browse all Learn guides

YOUR CALCULATION

Build the assumptions

Investment plan

Enter your current investment amount and the recurring monthly contribution you want to model.

Contribution frequencyChoose how often this contribution is invested. Country sets only the suggested default. Current monthly SIP

₹

The starting monthly contribution. Existing invested amount

₹

Optional amount already invested before starting this SIP. If you have not invested anything yet, keep this at zero. Investment period

years

Used for future-value and required-SIP calculations. Expected annual investment return

% p.a.

A constant modelling assumption, not a guaranteed return. Annual increase in monthly SIP

% / yr

Models a step-up once each year. Use 0% for a fixed SIP.

YOUR ESTIMATE

SIP growth snapshot

15-year plan

Estimated value after 15 years ₹0 Based on your existing investment, monthly SIP, step-up and return assumption

Total amount invested: ₹0
Estimated investment growth: ₹0
Value with a fixed SIP: ₹0
Benefit from the selected step-up: ₹0

UNDERSTAND YOUR RESULTWhat can change this projection most?

Use these short guides to understand the time, contribution and target mechanics behind the estimate.

Why starting earlier can matter →Fixed vs increasing contributions →How time to target is estimated →

Illustrative planning tool only. Actual investment returns, costs, taxes and goal prices may differ from the assumptions entered.

VISUAL PLAN

See how the SIP may build over time

Charts update automatically as you change the assumptions.

PORTFOLIO BUILD

Projected value vs money invested

See how investment growth may compound over time.

STEP-UP COMPARISON

Step-up SIP vs fixed SIP

Same return and period; only the annual SIP increase changes.

YEAR-BY-YEAR SIP JOURNEY

See how contributions and growth build over time

Follow the monthly SIP, money invested and modelled portfolio value for every year of the plan.

View full yearly breakdown

Compare step-up SIP with fixed SIP year by year

Year	Step-up SIP projected value	Fixed SIP projected value	Additional value from step-up

Both paths use the same existing investment, assumed return and time period. Only the annual SIP increase changes.

PLAN INSIGHTS

What the assumptions are doing

These are arithmetic observations from the entered assumptions, not personalized investment advice.

WHAT IF?

Compare investment periods

Same SIP, return and step-up assumptions; only the time horizon changes.

HOW IT WORKS

Separate contributions from investment growth.

A recurring SIP is added monthly while the invested balance compounds using the monthly rate implied by the annual return assumption. If a step-up is entered, the monthly contribution increases once each year.

In goal mode, Carrowmont can either grow an amount entered in today’s money using the inflation / price-growth assumption or use a future target amount directly, then solve for the starting monthly SIP required.

In Time to target mode, you enter the target corpus and your SIP assumptions; the calculator estimates the first modelled month in which the portfolio reaches that target.

METHODOLOGY

Transparent calculations.

Monthly return: The annual return assumption is converted to the equivalent monthly compound rate.

SIP projection: Existing investments grow monthly. Contributions are added at month-end and can increase once each year by the entered step-up rate.

Future goal amount: Either today’s goal amount × (1 + inflation / price growth)^years, or a future target entered directly.

Monthly SIP required: The starting monthly contribution that would model to the selected future goal while applying the entered annual step-up. It is solved numerically.

Time to target: The first modelled month in which the projected portfolio equals or exceeds the target corpus, checked for up to 50 years.

Important: SIP is a contribution method, not a guaranteed-return product. This calculator does not model market volatility, sequence of returns, taxes, fees, product-specific costs or investment suitability.

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