How is the SIP value calculated?

Each monthly instalment is added and the balance grows at the monthly equivalent of the yearly return you enter, with an optional yearly step-up in the instalment.

Should I increase my SIP every year?

Raising it in line with your income can grow the final amount significantly, as the step-up example shows.

What happens to a SIP when markets fall?

A fixed amount buys more units when prices are low, which lowers your average cost. Returns are still not guaranteed.

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Investing & portfolio

SIP and monthly investing: how much will it grow?

30 Oct 2026, 9:00 am UTC

What is a SIP or monthly investment plan?

A SIP (systematic investment plan) puts a fixed amount into an investment every month. It is the same idea as dollar-cost averaging or a recurring investment, and it spreads your buying across good and bad markets.

How much will 500 a month grow to in 20 years?

At an assumed 8% a year, investing 500 a month for 20 years means you put in 120,000 and it could grow to about 286,330. After 3% inflation, that is worth about 158,534 in today's money.

SIP and monthly investing: how much will it grow?

What is a SIP or monthly investment plan?

How much will 500 a month grow to in 20 years?

What difference does a yearly step-up make?

Why look at the inflation-adjusted value?

Is monthly investing better than a lump sum?

Try the calculator

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