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SIP & step-up SIP calculator

Estimate monthly investing with an optional yearly contribution increase. Compare money contributed with projected gains and export the complete yearly table.

Amounts: up to 12 whole digits and 2 decimals; VND whole amounts only. Rates: up to 4 decimals; areas: 6. Use the selected number format.

0 … 999,999,999,999.99
0 … 999,999,999,999.99
-50 … 100
1 … 50
0 … 100
0 … 999,999,999,999.99

Investment: −50 to 100%; loans: 0 to 100%. Enter your own assumption, not a promised return.

Preparing your tool…

How it works

A constant-rate scenario, not guaranteed returns. Nominal uses annual rate ÷ 12; effective uses (1 + annual return)^(1/12) − 1. Contributions increase after each full year. Taxes, fees and inflation are excluded. Internal values are not rounded each month; displayed money is rounded.

Example

At 0% return, 100 per month and a 10% annual step-up over 2 years contributes 1,200 in year one and 1,320 in year two: 2,520 total.

Does a SIP guarantee a fixed return?

No. SIP describes periodic contributions. This calculator uses your constant return assumption and does not select funds, predict markets, deduct fund expenses or guarantee investment performance.