About Custom SIP Calculator with Portfolio

This advanced calculator helps you project the future value of your existing investments along with additional SIP contributions. It's perfect for investors who already have a portfolio and want to see how it will grow with regular additional investments. Our Custom SIP Calculator helps you calculate:

• The future value of your current portfolio
• The impact of additional SIP investments
• The effect of increasing your SIP amount annually (step-up)
• The real value of your investments after accounting for inflation
• Year-by-year breakdown of your portfolio growth

How to use this calculator

1. Enter your current portfolio value
2. Set your monthly SIP amount
3. Specify the expected annual return rate
4. Set the investment period in years
5. Adjust the annual SIP step-up percentage if you plan to increase your SIP amount each year
6. Include an inflation rate to see the real value of your investments
7. Click "Calculate" to see your results

Understanding the Results

• Initial Portfolio Growth: How much your existing investments will grow over time
• SIP Investment Growth: How much your additional monthly investments will grow
• Total Wealth Gained: The total returns earned on both your initial portfolio and SIP investments
• Inflation-Adjusted Value: The real value of your portfolio after accounting for inflation
• CAGR: Compound Annual Growth Rate of your entire portfolio

Benefits of SIP with Existing Portfolio

• Compounding on Existing Assets: Your current investments continue to grow while you add more
• Disciplined Investing: Regular SIPs help maintain investment discipline
• SIP Step-up: Increasing your SIP amount annually helps beat inflation and accelerates wealth creation
• Portfolio Diversification: Regular investments help diversify your portfolio over time

Calculation Methodology

The calculator uses the following approach:

1. Your current portfolio grows at the expected annual return rate
2. Monthly SIP investments are added to the portfolio
3. SIP amount increases annually by the step-up percentage
4. Returns are compounded monthly
5. Inflation adjustment is applied to the final value to show real purchasing power