How to use the SIP & Lumpsum Calculator tool
3 simple steps · under a minute
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Choose SIP or lumpsum
Pick a monthly SIP or a one-time lumpsum investment.
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Enter amount, return and years
Type how much you invest, the expected yearly return and how long you stay invested.
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See the estimated value
Read the total invested, estimated returns and maturity value, with a yearly table.
About SIP & lumpsum calculator
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month, while a lumpsum is a one-time investment. This calculator estimates how much either could be worth after a number of years at an expected rate of return.
SIP investing spreads your purchases over time, so you buy more units when prices are low and fewer when they are high. The yearly table shows how your invested amount and estimated returns grow, and the optional annual step-up shows how much more you could build by raising your SIP each year.
SIP and lumpsum in one
Switch between monthly investing and a one-time investment instantly.
Standard SIP formula
Uses the same formula as fund houses and investment apps.
Step-up option
Increase your SIP every year to see the effect of investing more as your income grows.
Frequently asked questions
How is SIP return calculated?
Maturity value = P × [((1 + i)^n − 1) ÷ i] × (1 + i), where P is the monthly SIP, i is the monthly rate of return (annual rate ÷ 12) and n is the number of months.
Is SIP better than lumpsum?
Neither is always better. SIP suits regular income and reduces timing risk; lumpsum can earn more when markets rise steadily after you invest. Many people use both.
What return should I expect?
Returns are not guaranteed. Equity funds have historically returned roughly 10–14% a year over long periods in India, and debt funds less, but past returns do not predict future ones.
What is a step-up SIP?
A step-up SIP increases your monthly investment by a fixed percentage every year, usually in line with your salary increases.
Is this financial advice?
No. Mutual fund investments are subject to market risk. The results are estimates; read the scheme documents and consult an adviser before investing.