SIP Investment Calculator
Project how regular investments grow through the power of compounding.
Results
Projected Value
$1,499,394.76
Monthly Contribution
$20,000.00
Total Invested
$1,200,000.00
Total Gains
$299,394.76
Final Value
$1,499,394.76
Estimates only - not financial advice. Verify with a qualified professional before making decisions.
What you could do instead
Two ways to play this - side by side
+20%better
Flat SIP
Same $20,000.00/mo every month
Step-up SIP
Increase contribution 10% each year
Total invested
$1,200,000.00
Total invested
$1,465,224.00
+$265,224.00 contributed
Gains
$299,394.76
Gains
$336,297.21
+$36,902.45 more growth
Final value
$1,499,394.76
Final value
$1,801,521.21
+$302,126.45 corpus
End with $302,126.45 more - a 20% larger corpus, for a contribution that grows in line with raises.
Savings Tip
Pay 10% extra each month
Pay just 10% extra ($22,000/mo) and save $1,479,253 in interest, becoming debt-free 59 months earlier.
* Based on 10% overpayment applied every month until payoff.
How It Calculates
Investing $20,000.00/mo for 60 months yields $1,499,394.76.
💡Projected Wealth Gain: $299,394.76
Monthly Commitment: $20,000.00
Tips to Save More
- Increasing your contribution by $2,000.00/mo could boost your terminal wealth by $149,939.00.
- The first 24 months of consistent contributions are the most critical for long-term compounding momentum.
Example Scenarios
Pre-calculated scenarios based on current market data.
$15,000 over 3 years
8.5% APRSource: Reserve Bank of Australia · Updated 2026-04-01
$30,000 over 5 years
7.9% APRSource: Reserve Bank of Australia · Updated 2026-04-01