# Annual SIP Calculator — Arthum Wealth Services

Invest a fixed amount once a year for a set number of years, then stay invested for as long as you like. The calculator keeps compounding the corpus after the instalments stop and shows the maturity value.

**Formulas:**
- While contributing: FV_stop = A × [(1 + r)^n − 1] ÷ r × (1 + r)
- After the last instalment: FV_maturity = FV_stop × (1 + r)^(H − n)

where A = yearly amount, r = annual return, n = number of instalments, H = total years invested. Each instalment is assumed to go in at the start of the year, compounded annually.

**Planning a child's / minor's portfolio:** the years after the last instalment usually do the heaviest lifting. A one-year-old with ₹1 lakh invested yearly for 10 years at an assumed 12% has about ₹19.7 lakh when instalments stop at age 11, roughly ₹43.5 lakh at age 18, and about ₹96 lakh at age 25 — on the same ₹10 lakh contributed.

Things to check on a minor's folio:
- Operated by a guardian until the child turns 18; the minor cannot be a joint holder.
- The folio freezes at 18 until minor-to-major status change and fresh KYC are done — start early if the money is needed at 18.
- Any standing SIP mandate stops at 18 and needs a fresh mandate in the adult investor's name.
- Gains are taxed in the minor's hands after 18, and generally clubbed with the parent's income before that.

Try also: [SIP](/calculators/sip/) · [Lumpsum](/calculators/lumpsum/) · [Goal SIP](/calculators/goal-sip/) · [Inflation-Adjusted SIP](/calculators/inflation-adjusted-sip/)

Calculator outputs are illustrative estimates and do not guarantee returns. Mutual fund investments are subject to market risks.

**Investing for a child?** WhatsApp utkarshmail · utkarsh@arthumwealth.com · https://www.assetplus.in/mfd/utkarsh