Free tool

SIP & Lumpsum calculator

Estimate the invested amount, projected returns, and total maturity value for a monthly SIP or a one-time lumpsum investment — in rupees.

Monthly investment ₹5,000

Expected rate of return (annual) 12%

Time period (years) 10 yrs

One-time investment ₹1,00,000

Expected rate of return (annual) 12%

Time period (years) 10 yrs

₹0

Invested amount

₹0

Est. returns

₹0

Total value

Invested 0% Returns 0%

SIP & lumpsum investment calculator

Whether you're planning your financial future, building a diversified investment portfolio, or exploring your options for wealth growth, this calculator gives instant insight into how your investments could grow over time. It covers two approaches: a Systematic Investment Plan (SIP), where you invest a fixed amount every month, and a Lumpsum investment, where you invest the full amount in one go.

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How to use the SIP calculator

1. Monthly investment — the amount you plan to invest each month, based on your budget.
2. Expected rate of return — your anticipated annual return. Typical SIP returns range from 8% to 15% depending on market conditions and fund selection.
3. Time period — how many years you plan to stay invested. Longer periods generally benefit more from compounding.

As you adjust these, the invested amount, estimated returns, and total maturity value update instantly, along with the invested-vs-returns bar above.

How to use the Lumpsum calculator

1. One-time investment — the amount you're investing in a single transaction.
2. Expected rate of return — usually estimated from a fund's past performance.
3. Time period — the duration you plan to stay invested.

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The formulas behind the calculation

SIP maturity amount:

M = P × [(1 + r)^n − 1] / r × (1 + r)

• P — monthly investment amount
• r — monthly rate of return (annual rate ÷ 12 ÷ 100)
• n — total number of installments (years × 12)

Lumpsum maturity amount:

M = P × (1 + r)^n

• P — initial one-time investment
• r — annual rate of return, as a decimal
• n — investment period in years

In both cases, estimated returns are the maturity amount minus what you actually put in, and total value is the maturity amount itself — principal plus returns combined.

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Frequently asked questions

A Systematic Investment Plan (SIP) lets you invest a fixed amount into mutual funds at regular intervals, typically monthly. It takes advantage of rupee-cost averaging and compounding to grow your money steadily over time.

A lumpsum investment is a one-time contribution of your full investment amount, rather than spreading it out over regular installments. It's often used when you have a windfall or a large sum ready to deploy at once.

Yes. Returns depend on the investment method, market conditions, and duration. SIPs tend to smooth out market volatility over time, while lumpsum returns can be more sensitive to the specific timing of your entry into the market.

Yes — it's completely free, with no sign-up or hidden fees.

The results are displayed in ₹ (INR), but the underlying math works for any currency as long as you're consistent with your inputs.

The calculator uses standard, widely accepted compounding formulas, so the math itself is precise. Actual real-world returns will still vary with market performance, fund choice, and fees.

Disclaimer: This calculator provides estimates only, based on standard compounding formulas, and runs entirely in your browser — no figures you enter are sent to or stored on any server. Actual returns depend on market performance and the specific fund or scheme you invest in. This tool does not constitute financial advice; please consult a qualified financial advisor before making investment decisions.