About this tool
SIP / Recurring Investment Calculator is a free, in-browser tool that projects the future value of investing a fixed amount every month — a systematic investment plan (SIP) or any recurring deposit — and splits the result into the amount you invested versus the wealth gained. Everything computes locally in your browser.
Each installment is invested at the start of the month and compounds at the monthly rate (annual return ÷ 12), matching the standard annuity-due SIP formula FV = P·[((1+i)^n − 1)/i]·(1+i). An optional annual step-up increases the installment by a fixed percentage at the start of every new year, modeling the common practice of raising your SIP as your salary grows.
Use it to see what 500 a month becomes over 10 years at 12%, or how a 10% yearly step-up dramatically changes the final corpus versus a flat contribution.