Free investment planning calculator
SIP Calculator & Wealth Planner
Estimate future wealth from monthly SIP, step-up SIP, lumpsum investment, SIP plus lumpsum and goal-based investing. See invested amount, estimated returns, inflation-adjusted value and year-wise growth in one clear dashboard.
Monthly SIP
Calculate future value from a fixed monthly investment over time.
Investment Breakdown
Year-wise Growth
Year-wise Projection Table
Review how your invested amount and estimated value may grow every year.
| Year | Invested | Returns | Value |
|---|---|---|---|
| 1 | AED 60,000 | AED 4,047 | AED 64,047 |
| 2 | AED 120,000 | AED 16,216 | AED 136,216 |
| 3 | AED 180,000 | AED 37,538 | AED 217,538 |
| 4 | AED 240,000 | AED 69,174 | AED 309,174 |
| 5 | AED 300,000 | AED 112,432 | AED 412,432 |
| 6 | AED 360,000 | AED 168,785 | AED 528,785 |
| 7 | AED 420,000 | AED 239,895 | AED 659,895 |
| 8 | AED 480,000 | AED 327,633 | AED 807,633 |
| 9 | AED 540,000 | AED 434,108 | AED 974,108 |
| 10 | AED 600,000 | AED 561,695 | AED 1,161,695 |
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Complete SIP calculator for monthly investment, step-up SIP, lumpsum and goal planning
This SIP calculator helps estimate future value from systematic investment plans, monthly investing, step-up SIP, lumpsum investing, SIP plus lumpsum, and goal-based investment planning. It is designed for common searches such as “SIP calculator”, “monthly SIP calculator”, “step up SIP calculator”, “lumpsum calculator”, “how much should I invest monthly to reach my goal”, and “compound return calculator”.
Monthly SIP calculator
A monthly SIP calculator estimates how much your fixed monthly investment may grow over a selected number of years. It uses a monthly compounding assumption based on your expected annual return.
Formula: M = P × (((1 + i)^n − 1) ÷ i) × (1 + i)
Step-up SIP calculator
A step-up SIP calculator increases the monthly SIP amount every year by a selected percentage. This is useful when you expect your income to rise and want your investment contribution to grow with your salary.
Lumpsum investment calculator
A lumpsum calculator estimates the future value of a one-time investment. It is useful when you invest bonus money, savings, business income, inheritance or a large one-time amount.
Formula: Future value = principal × (1 + annual return)^years
SIP plus lumpsum calculator
Combined investing lets you calculate a one-time investment and monthly SIP together. This is useful when you start with an initial investment and continue adding money every month.
Goal-based SIP calculator
If you know your target amount, use the goal mode to estimate the monthly SIP required to reach that amount within your selected duration and expected return.
Inflation-adjusted SIP value
Inflation reduces purchasing power. This calculator shows the estimated future value and the approximate inflation-adjusted value so you can understand what your money may be worth in today’s terms.
Popular SIP calculator examples
How SIP returns are calculated
SIP maturity value is calculated by converting the expected annual return into a monthly rate and applying it across the number of monthly contributions. The calculator assumes investments are made regularly and returns compound over time. Actual market returns can change every year, so the result should be treated as an estimate, not a guarantee.
Private browser-based financial planning
SHB ToolBox runs these calculations in your browser. Your monthly investment amount, target amount, expected return, duration and personal financial assumptions are not stored in a server database by this tool.
SIP Calculator FAQ
What is SIP?
SIP means Systematic Investment Plan. It is a method of investing a fixed amount regularly, usually every month.
How is SIP maturity value calculated?
SIP value is estimated using monthly compounding based on monthly investment, expected return and total number of months.
What is step-up SIP?
Step-up SIP means increasing your monthly investment every year by a fixed percentage.
Can I calculate lumpsum and SIP together?
Yes. Use the SIP + Lumpsum mode to estimate the combined future value of both investment types.
How much should I invest monthly to reach a goal?
Use Goal mode. Enter the target amount, expected annual return and number of years to estimate the required monthly SIP.
Does this SIP calculator guarantee returns?
No. The calculator shows an estimate based on your assumed return rate. Actual returns depend on market performance.