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Project how regular investments grow through the power of compounding.
Projected Value
£718,184.97
Monthly Contribution
£10,000.00
Total Invested
£600,000.00
Total Gains
£118,184.97
Final Value
£718,184.97
Estimates only - not financial advice. Verify with a qualified professional before making decisions.
What you could do instead
+21%better
Flat SIP
Same £10,000.00/mo every month
Step-up SIP
Increase contribution 10% each year
Total invested
£600,000.00
Total invested
£732,612.00
+£132,612.00 contributed
Gains
£118,184.97
Gains
£132,899.93
+£14,714.96 more growth
Final value
£718,184.97
Final value
£865,511.93
+£147,326.96 corpus
End with £147,326.96 more - a 21% larger corpus, for a contribution that grows in line with raises.
Pay 10% extra each month
Pay just 10% extra (£11,000/mo) and save £708,127 in interest, becoming debt-free 59 months earlier.
* Based on 10% overpayment applied every month until payoff.
By investing £10,000.00 every month for 60 months, you are projected to reach a final value of £718,184.97. Of that, £118,184.97 comes from compound growth.
💡Projected Wealth Gain: £118,184.97
Monthly Commitment: £10,000.00
Sample scenarios using current reference rate data.
Source: Bank of England · Updated 2026-05-01
Source: Bank of England · Updated 2026-05-01
Source: Bank of England · Updated 2026-05-01
A SIP calculator projects what regular monthly contributions could grow into over time, assuming a constant annual return rate. It's the future-value-of-an-annuity formula, the same one used in retirement and pension projections. It does not predict the future - it shows what a given rate and term would mathematically produce.
FV = P × ((1 + r)^n − 1) ÷ r × (1 + r)Common questions about using this tool for GB.
Built & maintained by: Dhanasekar · Developer
Formula reference: Bank of England
Data last updated: 1 May 2026
This is a free educational tool, not financial advice.
Important: This calculator provides estimates for informational purposes only and does not constitute financial advice. Actual rates and terms may vary. Always consult a qualified financial advisor before making financial decisions.
Using an unrealistically high return rate.
Plug in 6% or even 4% in real terms (after inflation) rather than the nominal 10%+ that's sometimes quoted in marketing. The conservative number is the one to plan against.
Ignoring fees.
A 1% annual fee can reduce your final value by 20-25% over 30 years. Always compare expected return net of expense ratios and platform fees.
Treating projected value as guaranteed.
The calculator gives you a mathematical projection at a single assumed rate. Real markets are volatile - run several scenarios at different rates to see the range of outcomes.
Reference formula and educational copy. For GB-specific rate data see the source link in the disclaimer block above. This is not financial advice.