{"slug":"sip","name":"SIP Calculator","category":"fortune","tags":["growing","planning"],"tagline":"Systematic Investment Plan returns — with optional annual step-up, honestly assumed.","endpoint":"https://xearno.tools/api/v1/tools/sip","page":"https://xearno.tools/t/sip","description":"Projects a monthly SIP (systematic investment plan) to its future corpus, splits invested amount from gains, and supports the annual step-up that matches how salaries actually grow.","inputSchema":{"type":"object","properties":{"monthly":{"description":"Monthly investment","type":"number","minimum":1,"default":10000},"rate":{"description":"Expected annual return (%) 12% is the customary Indian equity assumption; long-run index reality is closer to 10-12% nominal.","type":"number","minimum":-20,"maximum":40,"default":12},"years":{"description":"Years (yr)","type":"number","minimum":1,"maximum":50,"default":15},"stepUp":{"description":"Annual step-up (%) Increase the monthly amount every year (e.g. 10% with salary raises).","type":"number","minimum":0,"maximum":50,"default":0}},"required":[],"additionalProperties":false},"methodology":["Month-by-month accumulation: corpus grows at the monthly rate, then the contribution is added; the contribution rises by the step-up percentage every 12 months. This iterative model handles step-up exactly rather than with the closed-form approximation."],"usage":"POST https://xearno.tools/api/v1/tools/sip with a JSON body matching inputSchema."}