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SIP & DCA Investment Calculator

Maximize your systematic investment returns by modeling SIP and DCA strategies with advanced step-up features.

Investment Strategy

Increase investment as your savings capacity grow

Step-Up Power

A **10%** annual increase in your SIP significantly accelerates wealth creation by matching your career trajectory.

Estimated Future Wealth
$168 716
Inflation Adjusted (Real Value): $131 187

Investment Split

Total Capital Invested$95 625
Wealth Gained (Returns)+$73 092

Portfolio Multiplier

1.8x

Your portfolio is projected to be **1.8 times** your total investment.

Systematic Investing

A **Step-Up SIP** is way more powerful than a regular one. By increasing your investment as your salary grows, you utilize the exponential nature of both compounding and higher capital introduction.

Wealth Analysis Logic

Our calculator models each month individually, applying interest to the moving balance and adjusting investment amounts annually based on your step-up target.

This tool is useful for Stock Market Investors, Crypto Traders, and Mutual Fund Contributors (and for everyone else who wants to leverage the discipline of systematic investing to build long-term wealth).

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Strategic Wealth Building: SIP vs. DCA

Systematic investing is the hallmark of professional wealth management. By investing fixed amounts at regular intervals, you remove the emotional stress of "timing the market" and benefit from the mathematical phenomenon known as cost averaging.

The SEC's Investor.gov portal highlights Dollar Cost Averaging (DCA) as a key strategy to lower the average cost per share and reduce the risk of investing a large amount into a declining market.

What is a SIP?

A Systematic Investment Plan (SIP) is a disciplined way of investing in mutual funds or ETFs. It allows you to invest a fixed amount of money at pre-defined intervals (monthly, quarterly, etc.). SIPs are particularly popular for long-term goals like retirement or children's education because they instill a habit of saving.

What is DCA?

Dollar Cost Averaging (DCA) is the broader investment strategy of dividing the total amount to be invested into periodic purchases of a target asset (like individual stocks or Bitcoin) to reduce the impact of volatility. When prices are high, your fixed investment buys fewer units; when prices are low, it buys more units.

Mathematical Advantages

Over time, systematic investing can lead to a lower average cost per unit compared to a lump-sum investment made at a market peak.

Expert Insight: A study of historical S&P 500 data often shows that consistent monthly contributions outperform lump-sum timing attempts in 70% of 10-year rolling periods.

Step-Up SIP: The Wealth Multiplier

Our calculator includes a Step-Up feature. By increasing your SIP amount by a small percentage annually (e.g., 10%), you can dramatically shorten your path to financial freedom. This "Top-Up" strategy aligns with your increasing income over your career and fights against the eroding effects of inflation, as monitored by the Federal Reserve.

Use Cases

  • 401(k) / IRA: Most retirement plans are essentially automated SIPs.
  • Crypto Accumulation: Using DCA for volatile assets like Bitcoin to smooth out the entry price.
  • Dividend Reinvestment: Combining SIP with DRIP (Dividend Reinvestment Plans) for maximum compounding.