Stop & Grow SIP Calculator

Estimate a two-phase plan: contribute for a selected period, stop new contributions, and let the accumulated balance continue compounding.

Invested

₹

Final Corpus

₹

How the Stop & Grow estimate works

During the active phase, contributions use the annuity-due formula: Active corpus = Contribution × ((1 + i)n − 1) ÷ i × (1 + i). During the wait phase, that corpus grows by (1 + i)w without new contributions.

Active phase

Equal contributions are assumed at the beginning of each monthly or yearly period.

Wait phase

No new money is added; the active-phase balance continues to compound.

Assumptions

The return stays constant; volatility, tax, fees, missed contributions, and withdrawals are excluded.

Worked Stop & Grow example

Investing ₹10,000 monthly for 10 years and then allowing the balance to grow for 15 more years at a constant 12% estimates:

Total invested
₹12,00,000
Total period
25 years
Estimated corpus
₹1,39,30,591

Frequently asked questions

Does stopping a SIP stop investment growth?

Not necessarily. Existing units remain invested and may gain or lose value. This calculator assumes a constant positive return for illustration.

Is the expected return guaranteed?

No. Market-linked returns vary, and actual outcomes can be materially higher or lower.

Does it model step-ups or withdrawals?

No. Contributions remain level during the active phase, with no contributions or withdrawals during the wait phase.