What formula does a SIP calculator use?

It uses future value formulas for recurring contributions with compounding.

How does step-up affect results?

Step-up increases contributions each year, raising total invested and final corpus.

What is real vs nominal value?

Real value adjusts for inflation; nominal value is the raw future amount.

What formula does a SIP calculator use?

It uses future value formulas for recurring contributions with compounding.

How does step-up affect results?

Step-up increases contributions each year, raising total invested and final corpus.

What is real vs nominal value?

Real value adjusts for inflation; nominal value is the raw future amount.

What formula does a SIP calculator use?

It uses future value formulas for recurring contributions with compounding.

How does step-up affect results?

Step-up increases contributions each year, raising total invested and final corpus.

What is real vs nominal value?

Real value adjusts for inflation; nominal value is the raw future amount.

Systematic Investment Plan Calculator

Professional SIP (Systematic Investment Plan) calculator with step-up contributions, inflation-adjusted purchasing power, goal-seek for target corpus, clear formulas, worked example, and FAQ.

Full original guide (expanded)

Systematic Investment Plan Calculator

Estimate SIP future value with optional step-up contributions, inflation adjustments, and goal-seek for a target corpus.

• Enter your monthly SIP amount and contribution timing.

• Add expected return, years, and optional step-up rate.

• Compare nominal vs inflation-adjusted outcomes.

Formula (extracted LaTeX)

\[','\\]

','\

Formula (extracted LaTeX)

\[i = (1+r)^{1/m} - 1\]

i = (1+r)^{1/m} - 1

Formula (extracted LaTeX)

\[FV_{\text{SIP}} = \mathrm{PMT}\cdot \frac{(1+i)^{N}-1}{i}\cdot (1+i)^{\delta}, \quad \delta=\begin{cases}0 & \text{End}\\ 1 & \text{Beginning}\end{cases}\]

FV_{\text{SIP}} = \mathrm{PMT}\cdot \frac{(1+i)^{N}-1}{i}\cdot (1+i)^{\delta}, \quad \delta=\begin{cases}0 & \text{End}\\ 1 & \text{Beginning}\end{cases}

Formula (extracted LaTeX)

\[FV_{\text{lump}} = P_0\,(1+i)^{N}\]

FV_{\text{lump}} = P_0\,(1+i)^{N}

Formula (extracted LaTeX)

\[FV = FV_{\text{SIP}} + FV_{\text{lump}}\]

FV = FV_{\text{SIP}} + FV_{\text{lump}}

Formula (extracted LaTeX)

\[FV_{\text{real}} = \frac{FV}{(1+\pi)^{T}}\]

FV_{\text{real}} = \frac{FV}{(1+\pi)^{T}}

Formula (extracted text)

Per-period rate from annual CAGR \(r\) and frequency \(m\): \[ i = (1+r)^{1/m} - 1 \] Future value of level SIP (\(\delta=1\) for beginning-of-period): \[ FV_{\text{SIP}} = \mathrm{PMT}\cdot \frac{(1+i)^{N}-1}{i}\cdot (1+i)^{\delta}, \quad \delta=\begin{cases}0 & \text{End}\\ 1 & \text{Beginning}\end{cases} \] Lump sum compounded for \(N\) periods: \[ FV_{\text{lump}} = P_0\,(1+i)^{N} \] Total future value: \[ FV = FV_{\text{SIP}} + FV_{\text{lump}} \] Inflation-adjusted (real) future value using annual inflation \(\pi\) and years \(T\): \[ FV_{\text{real}} = \frac{FV}{(1+\pi)^{T}} \] Step-Up SIP: when the SIP increases by \(g\) once each year, we simulate period by period: \[ FV = \sum_{t=1}^{N} \mathrm{PMT}_t\,(1+i)^{N-t}, \quad \mathrm{PMT}_t = \mathrm{PMT}_0\,(1+g)^{\lfloor (t-1)/m \rfloor} \] where \(m\) is periods per year.

Variables and units

No variables provided in audit spec.

Sources (authoritative):

Home — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/
Finance — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/finance
Investment — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/subcategories/finance-investment
Official SIP calculator — investor.sebi.gov.in · Accessed 2026-01-19
https://investor.sebi.gov.in/calculators/sip_calculator.html
Zerodha — zerodha.com · Accessed 2026-01-19
https://zerodha.com/calculators/sip-calculator/
SBI Securities — sbisecurities.in · Accessed 2026-01-19
https://www.sbisecurities.in/calculators/step-up-sip-calculator
Compound Interest — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/compound-interest-calculator
Lump Sum FV — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/lumpsum-calculator

Changelog

Version: 0.1.0-draft
Last code update: 2026-01-19

0.1.0-draft · 2026-01-19

Initial audit spec draft generated from HTML extraction (review required).
Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
Confirm sources are authoritative and relevant to the calculator methodology.

Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn

Audit: Needs review

Formula (LaTeX) + variables + units

This section shows the formulas used by the calculator engine, plus variable definitions and units.
Note: This page needs review to confirm formulas and sources.

No formulas provided in audit spec.

Variables and units

No variables provided in audit spec.

Sources (authoritative):

Systematic Investment Plan Calculator — calcdomain.com · Accessed 2026-01-21
https://calcdomain.com/sip-calculator

Changelog

Version: 0.1.0-draft
Last code update: 2026-01-21

0.1.0-draft · 2026-01-21

Initial audit spec draft generated from HTML extraction (review required).
Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
Confirm sources are authoritative and relevant to the calculator methodology.

Verification pending · Last code update: 2026-01-21

, ', svg: { fontCache: 'global' } };

Systematic Investment Plan Calculator

Estimate SIP future value with optional step-up contributions, inflation adjustments, and goal-seek for a target corpus.

• Enter your monthly SIP amount and contribution timing.

• Add expected return, years, and optional step-up rate.

• Compare nominal vs inflation-adjusted outcomes.

Formula (extracted LaTeX)

\[','\\]

','\

Formula (extracted LaTeX)

\[i = (1+r)^{1/m} - 1\]

i = (1+r)^{1/m} - 1

Formula (extracted LaTeX)

\[FV_{\text{SIP}} = \mathrm{PMT}\cdot \frac{(1+i)^{N}-1}{i}\cdot (1+i)^{\delta}, \quad \delta=\begin{cases}0 & \text{End}\\ 1 & \text{Beginning}\end{cases}\]

FV_{\text{SIP}} = \mathrm{PMT}\cdot \frac{(1+i)^{N}-1}{i}\cdot (1+i)^{\delta}, \quad \delta=\begin{cases}0 & \text{End}\\ 1 & \text{Beginning}\end{cases}

Formula (extracted LaTeX)

\[FV_{\text{lump}} = P_0\,(1+i)^{N}\]

FV_{\text{lump}} = P_0\,(1+i)^{N}

Formula (extracted LaTeX)

\[FV = FV_{\text{SIP}} + FV_{\text{lump}}\]

FV = FV_{\text{SIP}} + FV_{\text{lump}}

Formula (extracted LaTeX)

\[FV_{\text{real}} = \frac{FV}{(1+\pi)^{T}}\]

FV_{\text{real}} = \frac{FV}{(1+\pi)^{T}}

Formula (extracted text)

Per-period rate from annual CAGR \(r\) and frequency \(m\): \[ i = (1+r)^{1/m} - 1 \] Future value of level SIP (\(\delta=1\) for beginning-of-period): \[ FV_{\text{SIP}} = \mathrm{PMT}\cdot \frac{(1+i)^{N}-1}{i}\cdot (1+i)^{\delta}, \quad \delta=\begin{cases}0 & \text{End}\\ 1 & \text{Beginning}\end{cases} \] Lump sum compounded for \(N\) periods: \[ FV_{\text{lump}} = P_0\,(1+i)^{N} \] Total future value: \[ FV = FV_{\text{SIP}} + FV_{\text{lump}} \] Inflation-adjusted (real) future value using annual inflation \(\pi\) and years \(T\): \[ FV_{\text{real}} = \frac{FV}{(1+\pi)^{T}} \] Step-Up SIP: when the SIP increases by \(g\) once each year, we simulate period by period: \[ FV = \sum_{t=1}^{N} \mathrm{PMT}_t\,(1+i)^{N-t}, \quad \mathrm{PMT}_t = \mathrm{PMT}_0\,(1+g)^{\lfloor (t-1)/m \rfloor} \] where \(m\) is periods per year.

Variables and units

No variables provided in audit spec.

Sources (authoritative):

Home — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/
Finance — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/finance
Investment — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/subcategories/finance-investment
Official SIP calculator — investor.sebi.gov.in · Accessed 2026-01-19
https://investor.sebi.gov.in/calculators/sip_calculator.html
Zerodha — zerodha.com · Accessed 2026-01-19
https://zerodha.com/calculators/sip-calculator/
SBI Securities — sbisecurities.in · Accessed 2026-01-19
https://www.sbisecurities.in/calculators/step-up-sip-calculator
Compound Interest — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/compound-interest-calculator
Lump Sum FV — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/lumpsum-calculator

Changelog

Version: 0.1.0-draft
Last code update: 2026-01-19

0.1.0-draft · 2026-01-19

Initial audit spec draft generated from HTML extraction (review required).
Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
Confirm sources are authoritative and relevant to the calculator methodology.

Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn

Audit: Needs review

Formula (LaTeX) + variables + units

This section shows the formulas used by the calculator engine, plus variable definitions and units.
Note: This page needs review to confirm formulas and sources.

No formulas provided in audit spec.

Variables and units

No variables provided in audit spec.

Sources (authoritative):

Systematic Investment Plan Calculator — calcdomain.com · Accessed 2026-01-21
https://calcdomain.com/sip-calculator

Changelog

Version: 0.1.0-draft
Last code update: 2026-01-21

0.1.0-draft · 2026-01-21

Initial audit spec draft generated from HTML extraction (review required).
Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
Confirm sources are authoritative and relevant to the calculator methodology.

Verification pending · Last code update: 2026-01-21

]], displayMath: [['\\[','\\]']] }, svg: { fontCache: 'global' } };, svg: { fontCache: 'global' } };

Systematic Investment Plan Calculator

Estimate SIP future value with optional step-up contributions, inflation adjustments, and goal-seek for a target corpus.

• Enter your monthly SIP amount and contribution timing.

• Add expected return, years, and optional step-up rate.

• Compare nominal vs inflation-adjusted outcomes.

Formula (extracted LaTeX)

\[','\\]

','\

Formula (extracted LaTeX)

\[i = (1+r)^{1/m} - 1\]

i = (1+r)^{1/m} - 1

Formula (extracted LaTeX)

\[FV_{\text{SIP}} = \mathrm{PMT}\cdot \frac{(1+i)^{N}-1}{i}\cdot (1+i)^{\delta}, \quad \delta=\begin{cases}0 & \text{End}\\ 1 & \text{Beginning}\end{cases}\]

FV_{\text{SIP}} = \mathrm{PMT}\cdot \frac{(1+i)^{N}-1}{i}\cdot (1+i)^{\delta}, \quad \delta=\begin{cases}0 & \text{End}\\ 1 & \text{Beginning}\end{cases}

Formula (extracted LaTeX)

\[FV_{\text{lump}} = P_0\,(1+i)^{N}\]

FV_{\text{lump}} = P_0\,(1+i)^{N}

Formula (extracted LaTeX)

\[FV = FV_{\text{SIP}} + FV_{\text{lump}}\]

FV = FV_{\text{SIP}} + FV_{\text{lump}}

Formula (extracted LaTeX)

\[FV_{\text{real}} = \frac{FV}{(1+\pi)^{T}}\]

FV_{\text{real}} = \frac{FV}{(1+\pi)^{T}}

Formula (extracted text)

Per-period rate from annual CAGR \(r\) and frequency \(m\): \[ i = (1+r)^{1/m} - 1 \] Future value of level SIP (\(\delta=1\) for beginning-of-period): \[ FV_{\text{SIP}} = \mathrm{PMT}\cdot \frac{(1+i)^{N}-1}{i}\cdot (1+i)^{\delta}, \quad \delta=\begin{cases}0 & \text{End}\\ 1 & \text{Beginning}\end{cases} \] Lump sum compounded for \(N\) periods: \[ FV_{\text{lump}} = P_0\,(1+i)^{N} \] Total future value: \[ FV = FV_{\text{SIP}} + FV_{\text{lump}} \] Inflation-adjusted (real) future value using annual inflation \(\pi\) and years \(T\): \[ FV_{\text{real}} = \frac{FV}{(1+\pi)^{T}} \] Step-Up SIP: when the SIP increases by \(g\) once each year, we simulate period by period: \[ FV = \sum_{t=1}^{N} \mathrm{PMT}_t\,(1+i)^{N-t}, \quad \mathrm{PMT}_t = \mathrm{PMT}_0\,(1+g)^{\lfloor (t-1)/m \rfloor} \] where \(m\) is periods per year.

Variables and units

No variables provided in audit spec.

Sources (authoritative):

Home — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/
Finance — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/finance
Investment — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/subcategories/finance-investment
Official SIP calculator — investor.sebi.gov.in · Accessed 2026-01-19
https://investor.sebi.gov.in/calculators/sip_calculator.html
Zerodha — zerodha.com · Accessed 2026-01-19
https://zerodha.com/calculators/sip-calculator/
SBI Securities — sbisecurities.in · Accessed 2026-01-19
https://www.sbisecurities.in/calculators/step-up-sip-calculator
Compound Interest — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/compound-interest-calculator
Lump Sum FV — calcdomain.com · Accessed 2026-01-19
https://calcdomain.com/lumpsum-calculator

Changelog

Version: 0.1.0-draft
Last code update: 2026-01-19

0.1.0-draft · 2026-01-19

Initial audit spec draft generated from HTML extraction (review required).
Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
Confirm sources are authoritative and relevant to the calculator methodology.

Verified by Ugo Candido on 2026-01-19
Profile · LinkedIn

Audit: Needs review

Formula (LaTeX) + variables + units

This section shows the formulas used by the calculator engine, plus variable definitions and units.
Note: This page needs review to confirm formulas and sources.

No formulas provided in audit spec.

Variables and units

No variables provided in audit spec.

Sources (authoritative):

Systematic Investment Plan Calculator — calcdomain.com · Accessed 2026-01-21
https://calcdomain.com/sip-calculator

Changelog

Version: 0.1.0-draft
Last code update: 2026-01-21

0.1.0-draft · 2026-01-21

Initial audit spec draft generated from HTML extraction (review required).
Verify formulas match the calculator engine and convert any text-only formulas to LaTeX.
Confirm sources are authoritative and relevant to the calculator methodology.

Verification pending · Last code update: 2026-01-21

Formulas

(Formulas preserved from original page content, if present.)

Version 0.1.0-draft

Citations

Add authoritative sources relevant to this calculator (standards bodies, manuals, official docs).

Changelog

0.1.0-draft — 2026-01-19: Initial draft (review required).