SIP Calculator
Plan your financial freedom with a Systematic Investment Plan. Visualize how consistent monthly contributions grow into a substantial UK wealth fund.
SIP / Monthly Investment Calculator
Project the future value of your monthly savings. See how compound interest turns regular contributions into significant wealth.
Wealth Planner
Systematic Investment Plan
What is a SIP?
A Systematic Investment Plan (SIP) is a disciplined way to invest a fixed amount of money at regular intervals—usually monthly. In the UK, this is the most common way to invest in Stocks & Shares ISAs, Index Funds (like the FTSE 100), and even Pensions.
Instead of trying to "time the market," a SIP allows you to benefit from Pound-Cost Averaging. You stay invested through market ups and downs, building wealth steadily over decades.
The Power of Compounding
Compounding happens when the returns on your investment start generating their own returns. The longer you stay invested, the more powerful this effect becomes.
Your greatest asset. Start early to maximize gains.
Regular monthly habits beat erratic lump sums.
Calculation Formula
Our calculator uses the standard Future Value formula for an annuity due, which is the mathematical basis for SIP growth:
- P = Monthly Investment amount
- r = Monthly interest rate (Annual rate / 12 / 100)
- n = Total number of months (Years × 12)
SIP vs Lump Sum Investment
Lower Risk
SIP averages out the cost of acquisition over time.Accessible
Start with as little as £25 a month.Frequently Asked Questions
Clear answers for your monthly investment strategy.
Frequently Asked Questions
Invest in Your Future Self
"The best time to plant a tree was 20 years ago. The second best time is today."