# SIP Calculator

> Project a monthly investment plan, with optional annual step-up and the invested-versus-gain split.

A SIP calculator projects the value of investing a fixed amount every month at an assumed rate of return. It compounds each contribution for the months remaining, optionally increasing the amount each year, and separates how much you paid in from how much came from growth.

**URL:** https://convertto.tech/t/sip-calculator
**Category:** Calculators (https://convertto.tech/c/calculators)
**Privacy:** Runs entirely in the browser; no upload
**Cost:** Free, no sign-up
**Last updated:** 2026-08-01

## Key facts

- **Privacy:** Runs entirely in your browser — nothing is uploaded
- **Cost:** Free, unlimited, no sign-up

## How to use

1. Set the monthly investment.
2. Set the expected annual return.
3. Set the period.
4. Set the annual step-up.
5. Choose the currency symbol.
6. The result appears immediately — copy or download it.

## FAQ

### What does the step-up option do?

It raises your monthly contribution by a set percentage each year, matching a pay rise. Even 5% a year makes a large difference over long periods because the extra money still has years to compound.

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