BirthDay SIP Calculator

A BirthDay SIP is a step-up SIP timed to a child's goal — you raise the monthly contribution by a fixed percentage on each birthday, so the investment scales with your income right up to the age you'll need the money. This calculator compounds each year's contribution monthly at 1/12th of your chosen annual return, adding the increase at the start of every 12-month block. The figures shown are illustrative projections at a constant assumed rate of return — actual mutual fund returns fluctuate with markets, are never guaranteed, and this tool does not constitute investment advice.