SIP Calculator
Articles, guides, and in-depth tips for the SIP Calculator — everything you need to get the most out of it.
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Stopping Your SIP During a Market Crash Is the Worst Time to Stop — Here's What Actually Happens and When Stopping Is Rational
Step-Up SIP: Why a 10% Annual Increase in Contributions Does Far More Than "10% More Savings"
Increasing your SIP by 10% annually — roughly matching a typical raise — can shrink the time to reach a savings goal by years, not months, because the step-up compounds on top of investment returns that are already compounding. Here's the "two compounding effects" framing, how to choose a step-up rate aligned with realistic income growth, and why automating the step-up removes a recurring decision point that's easy to defer.
Tax-Efficient Investing: How ISA, Roth IRA, and ELSS Wrappers Multiply Your SIP Returns
The same SIP grows to the same gross value in or outside a tax wrapper — but after UK ISA, US Roth IRA, or Indian ELSS tax efficiency, you keep far more. Here's the mathematics of tax drag over 30 years, how each country's key tax wrappers work, and why maximising wrappers before taxable investing is foundational.
SIP vs Lump Sum Investing: What the Evidence Shows and Why Staying Invested Beats Everything Else
Lump sum beats SIP 67% of the time theoretically — and SIPs almost always win in practice, because most people don't have a lump sum, and those who do often never invest it. Here's what the research shows, the cost of missing the market's best days, and what a 15-year SIP actually produces.
SIP Calculator — Build Long-Term Wealth with Consistent Monthly Investments
Learn why small SIPs maintained for decades outperform larger short-term investments, how rupee cost averaging works in falling markets, step-up SIP strategies, and how to model any investment goal with a free SIP calculator.
SIP Calculator — See How Your Monthly Investment Grows Over Time
Learn how SIP returns are calculated, what your monthly investment actually grows to over time, and how to use a free SIP calculator to plan long-term wealth creation with real examples.
