How is SIP maturity calculated?

SIP maturity is calculated using the future value of an annuity formula: FV = P × [((1+i)^n − 1) / i] × (1+i), where P is the monthly SIP amount, i is the monthly interest rate (annual rate / 12 / 100), and n is the total number of months (years × 12).

What is a good monthly SIP amount?

A good starting SIP amount is 20% of your post-tax monthly income. Use SIPfy's SIP Goal Planner to find the exact monthly SIP needed to reach any target corpus by your goal year.

Home/Calculators/SIP Top-up Calculator

SIP Strategy

SIP Top-up Calculator — see the impact of annual rupee top-ups

Model annual rupee-amount top-ups on your monthly SIP. See how adding ₹1,000, ₹2,000, or ₹5,000 per year to your SIP amount grows your final corpus compared to a fixed SIP.

Calculator Inputs

Initial monthly SIP

₹

₹500₹200,000

Expected annual return

125%

SIP tenure

140%

Annual top-up amount

₹

₹0₹50,000

💡 Tip: Use the sliders for quick adjustments, or type exact numbers in the input fields for precise calculations.

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Visualization

Year-by-Year Breakdown

SIP Top-up vs Step-up

The difference

A step-up SIP increases your monthly amount by a fixed percentage every year (e.g., 10%). A top-up SIP increases by a fixed rupee amount every year (e.g., ₹1,000/year). Both produce the same effect.

How to choose

A good rule of thumb: set your annual top-up to at least one month's salary increase. If you get a 10% raise on ₹50,000, that's ₹5,000 extra. Investing ₹2,000–₹3,000 of that as a top-up keeps your savings rate growing.

The benefit

The best top-up SIP is the one you set up once and forget about. Behavioural friction kills more SIPs than market crashes ever will.

The best SIP calculator is the one you actually use. Run the numbers, understand the math, and start investing today.

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