Total Value at Maturity
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Yearly SIP Calculator
The Yearly SIP Calculator projects your corpus when you invest a fixed amount once a year rather than monthly — enter your yearly investment amount, expected annual return, and investment period to see your total value at maturity, total amount invested, and estimated returns update live. The donut chart and year-wise table both refresh as you move the sliders, so you can compare what contributing ₹60,000 annually versus the equivalent monthly systematic investment plan delivers over your chosen horizon in actual rupees. For more related tools, see the step-up sip calculator.
Results
Total Amount Invested
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Estimated Returns
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Investment Breakdown
Results Table
| Year | Amount Invested | Est. Returns | Total Value |
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What is a Yearly SIP Calculator?
A yearly SIP calculator — also called an annual SIP calculator — projects the maturity value of a systematic investment plan where you invest a fixed amount once every year, rather than monthly or weekly. The annual SIP returns calculation uses the annual compounding version of the Future Value of Annuity Due formula, where the rate r is the full annual return and n is the number of years. This is mathematically equivalent to a standard yearly annuity due, and the yearly systematic investment plan calculator applies it to show your total value at maturity, total amount invested, and estimated returns across your chosen horizon.
The annual SIP is commonly used by investors who receive annual income — business owners, freelancers with variable monthly income but predictable annual earnings, or investors who prefer to invest a portion of their annual bonus in one go each year rather than spreading it over 12 monthly instalments. Also explore the monthly sip calculator for a related calculation.
Yearly SIP vs Monthly SIP — The Frequency Difference
Investing ₹60,000 once a year versus ₹5,000 every month produces a different maturity corpus because of how compounding interacts with contribution timing. In a monthly systematic investment plan, each ₹5,000 instalment starts compounding immediately, including instalments in the middle of the year. In a yearly SIP, the ₹60,000 waits until year-end to be invested, meaning on average you lose 6 months of compounding per contribution compared to a monthly SIP.
| Frequency | Annual Amount | 10-Year Corpus (12% return) | 20-Year Corpus (12% return) |
|---|---|---|---|
| Monthly SIP | ₹60,000 (₹5,000/month) | ₹11.61 lakh | ₹49.96 lakh |
| Yearly SIP | ₹60,000/year | ₹11.18 lakh | ₹48.16 lakh |
The monthly SIP produces roughly 3–5% more corpus on the same annual invested amount. This difference grows with the tenure and return rate. However, a yearly SIP is still far superior to not investing at all — and for investors who do not have a reliable monthly surplus but do receive an annual bonus, the annual systematic investment plan calendar is entirely practical. Also explore the daily sip calculator for a related calculation.
When Does Yearly SIP Make Sense?
A yearly SIP fits your situation if you receive a large annual payment — a year-end bonus, performance incentive, maturity proceeds from a recurring deposit, or annual profit distribution from a business — and want to deploy that amount systematically in a mutual fund rather than as a single lumpsum. The annual systematic investment plan disciplines you to invest the bonus rather than spend it, and the annuity structure means you stay committed across multiple years rather than making ad-hoc investments.
If your income is both monthly and growing, a monthly SIP with a step-up rate will deliver better compounding than an equivalent yearly SIP. Use this yearly SIP calculator alongside the monthly SIP calculator to compare the two approaches side by side with the same inputs, then choose the frequency that best fits your actual cash flow pattern for your systematic investment plan.
Frequently Asked Questions
Is a yearly SIP the same as investing annually in a mutual fund?
Yes. A yearly SIP (annual systematic investment plan) is a standing instruction to invest a fixed amount once every year on a chosen date. It operates exactly like a monthly SIP but at an annual frequency — the fund house debits the amount on the specified date each year and purchases units at that date's NAV. Some platforms call this a 'quarterly SIP extended' or allow you to select 'annual' as the frequency in the SIP setup flow.
Why does a yearly SIP produce less corpus than a monthly SIP for the same annual amount?
In a monthly SIP, each instalment starts compounding immediately upon investment. By investing ₹5,000 every month, the January instalment compounds for 12 months, the February instalment for 11 months, and so on — on average, each instalment gets about 6.5 months of extra compounding within the year. In a yearly SIP, the entire ₹60,000 waits until the investment date and misses this intra-year compounding. Over 10–20 years, this frequency difference results in a 3–5% lower corpus for yearly vs monthly at the same annual invested amount.
Can I use the yearly SIP calculator for ELSS annual investments?
Yes. ELSS (Equity Linked Savings Scheme) funds are a popular vehicle for yearly SIP investments in India because investors often invest a lump annual amount before the March 31 tax deadline to claim Section 80C deductions. The yearly SIP calculator accurately models this annual systematic investment plan — enter ₹1,50,000 (the maximum 80C limit) as the yearly amount, select your expected CAGR and tenure, and see how your ELSS corpus builds over a 10–20 year horizon.
What is the minimum amount for a yearly SIP?
Minimum amounts for yearly SIPs vary by fund house. Most allow yearly SIP investments starting from ₹500 per annum for select schemes, though many have a minimum of ₹1,000–₹5,000 per annual instalment. For ELSS funds with tax benefits, the practical minimum to make the yearly SIP worthwhile is typically ₹12,000–₹25,000 per year. Check your specific fund scheme's offer document or your platform's SIP setup page for the annual frequency minimum before registering.