SIP Calculator

How SIP projection works in seconds: Enter monthly instalment, expected annual return, and years. The tool applies FV = P x (((1+r)^n-1)/r) x (1+r) with monthly compounding, then splits maturity value into invested principal versus gains. Results appear instantly at $0 cost in your browser.

Why SIPs matter for USA wealth building on 09/22/2026: Time beats timing — $500 monthly at 10 percent for 20 years grows near $380,000 on $120,000 invested. Austin engineers automating $500 paycheck deductions harness dollar-cost averaging through every dip. Chicago couples starting a decade early need half the monthly amount for the same $200,000 goal.

Return versus horizon — the real lever: Doubling horizon roughly quadruples growth at equity returns; chasing an extra percent adds far less and adds risk. Miami freelancers choosing 15 years over 10 at the same $300 turn $88,000 into $150,000. Denver parents funding $80,000 college costs win by starting at birth, not by picking hotter funds.

Reading invested versus gains: Early years show mostly principal; compounding dominates later — by year 15 gains often exceed contributions. Seattle engineers comparing 8, 10, and 12 percent scenarios see the gains column diverge dramatically, making fee differences tangible: a 1 percent fee drag costs six figures over decades.

Reality checks on projections: Markets never deliver constant returns — the assumed rate is a planning average, not a promise. Stress-test with 2 points lower; if the $1M New York goal still works at 8 instead of 10, the plan survives bad decades. Revisit yearly as income, goals, and rates shift.

Privacy and local math: All projections run entirely in your browser with no financial data transmitted, logged, or stored. Model salaries, goals, and portfolios privately without advisor fees or account creation.

Step-up SIPs for rising incomes: Raising contributions 10 percent yearly turns a $500 start into $1,900 monthly by year 15, nearly doubling maturity versus flat payments. Boston doctors automating $2,000 monthly step up with each raise before lifestyle absorbs it. Philadelphia nurses starting $250 habit SIPs grow contributions alongside seniority on 09/22/2026.

Drawdown and sequence risk: Phoenix retirees drawing $4,000 monthly keep two years in cash so bear markets never force selling equities low. Atlanta teachers funding $100,000 classroom goals shift to short bonds in the final three years. Dallas officers building $500,000 pensions model 6 percent returns for must-hit targets, reserving 10 percent for stretch dreams.