SIP & Investment Growth Calculator — ZYCalculator

A SIP calculator computes the future maturity value of regular monthly mutual fund investments using compound interest with optional annual step-up and inflation adjustment.

Formula & Method

M = P × [ (1 + i)^n - 1 ] / i × (1 + i) | Real Value = M ÷ (1 + Inflation)^Years

How to Use

  1. Enter Monthly Investment Amount: Input monthly SIP deposit amount in your currency (₹, $, €, £).
  2. Set Expected Return Rate & Tenure: Specify expected annual percentage return and investment duration in years.
  3. Enable Annual Step-Up & Export CSV: Optionally add annual step-up % and download full yearly compounding schedule as CSV.

Frequently Asked Questions

How do I calculate monthly SIP returns and maturity corpus?

Enter monthly investment amount, expected return rate (e.g. 12%), and duration. ZYCalculator computes total invested capital, net wealth gained, and final maturity corpus.

How does annual step-up SIP boost wealth creation?

A 10% annual step-up increases your monthly contribution in tandem with annual salary raises, often doubling your final accumulated wealth compared to a flat SIP.

How does inflation affect future SIP returns?

ZYCalculator's inflation adjuster calculates the real purchasing power of your future maturity corpus using historical inflation rates.