What is a SIP (Systematic Investment Plan)?

A SIP allows you to invest a fixed amount at regular intervals (usually monthly) in mutual funds, helping you benefit from disciplined investing and rupee-cost averaging.

What is a Lumpsum investment?

A Lumpsum investment is a one-time investment where you invest a single amount and let it grow over time through compound interest.

Which is better: SIP or Lumpsum?

SIP is ideal for regular income earners and volatile markets, while Lumpsum works best when you have surplus funds and markets are relatively low.

What is the step-up SIP feature?

Step-up SIP allows you to increase your SIP amount annually by a fixed percentage, helping your investments grow faster as your income increases.

What return rate should I assume?

For equity mutual funds, a long-term return of 10–12% is commonly assumed. Debt funds typically return 6–8% annually.

What is CAGR shown in the results?

CAGR (Compound Annual Growth Rate) shows the effective annual growth rate of your investment over the entire period.

Are the results guaranteed?

No. The calculator provides estimates based on assumed return rates. Actual mutual fund returns depend on market performance.

SIP & Lumpsum Calculator

Calculate the future value of your Systematic Investment Plan (SIP) or one-time Lumpsum investment with growth projections and detailed breakdowns.

Get instant, accurate results

Investment Calculator

What is this?

SIP (Systematic Investment Plan) allows you to invest a fixed amount regularly, while Lumpsum is a one-time investment. Both calculators help you estimate future value through compound interest, considering your investment amount, expected returns, and investment duration.

How to Use the SIP & Lumpsum Calculator

Investing is one of the best ways to create long-term wealth, but trying to comprehend just how much your money will grow over time can get really confusing. Whether you invest a fixed amount of money every month through a SIP or make a one-time lumpsum investment, estimating the future value manually can become confusing due to compounding and different time periods.

The SIP & Lumpsum Calculator eases the process. It further helps you calculate the future value of your investment. It does so based on the amount of contribution, expected return, and length of time you invest. By envisioning it clearly, it allows you to plan your financial goals with confidence and realism.

This calculator suits both beginners who have just begun their investment and experienced investors looking to plan their long-term wealth creation.

1. Choose Investment Type

Click on either SIP (if it is a monthly investment) or Lumpsum (if it is a single investment), as it involves a different compounding method.

2. Enter Investment Amount

For SIP, please select your monthly investment. For a lump-sum investment, please select your one-time investment amount.

3. Set Expected Annual Return

Input the expected rate of return based on the historical results or the expectations of the investments.

4. Choose Investment Duration

It’s required to define the period of investment in years. It’s beneficial to choose longer time periods because the concept of compounding works effectively in that

5. Optional Step-Up (SIP Only)

If applicable, enter the annual step-up percentage to automatically increase your SIP contributions based on your annual income increase.

6. Calculate Future Value

Click on the calculate button to get an instant display of the future value of your investment.

Key Formulas Used in the Calculator

SIP Future Value Formula

FV = P × [ ( (1 + r)^n − 1 ) / r ] × (1 + r)

Here, P is the monthly investment, r is the monthly rate of return, and n is the total number of months. This formula accounts for compounding on regular investments.