Investment Calculator – SIP & Lumpsum
Investment Calculator
Plan your wealth with smart investments
SIP Investment
Lumpsum Investment
Monthly Investment Amount
Expected Return Rate (% per year)
Investment Period
One-time Investment Amount
Expected Return Rate (% per year)
Investment Period
Expected Future Value
₹0
Invested Amount
Expected Returns
Total Investment
₹0
Wealth Gained
₹0

The SIP Calculator allows investors to estimate the future value of mutual fund investments made via Systematic Investment Plans (SIP). By entering details like the monthly investment amount, duration, and expected returns, users can calculate the projected corpus at maturity. This helps investors gain insights into the potential growth of their investments, enabling better financial decision-making.

How does the SIP Calculator Work?

A SIP Calculator follows the below formula:

SIP Calculation Formula

FV = P [ (1+i)^n-1 ] * (1+i)/i 

  • FV = Future value or the amount you get at maturity.
  • P = Amount you invest through SIP
  • i = Compounded rate of return
  • n = Investment duration in months

Example of a SIP Calculator

Tony, a 30-year-old investor, plans to save for retirement through a mutual fund via a Systematic Investment Plan (SIP).

  • Investment Amount: ₹35,000 per month
  • Investment Period: 30 years
  • Expected Interest Rate: 8% per annum
  • Frequency: Monthly

Using the SIP calculator:

  • Future Value: ₹5.25 crore
  • Total Investment: ₹1.26 crore
  • Potential Returns: ₹3.99 crore

Returns from SIP Investment

The table below shows how the power of compounding can increase your returns every year with the same investment amount.

YearYearly Investment AmountTotal InvestmentExpected Rate of ReturnTotal Returns
2024Rs.60000Rs.6000012%Rs.4047
2025Rs.60000Rs.12000012%Rs.16,216
2026Rs.60000Rs.18000012%Rs.37,538
2027Rs.60000Rs.24000012%Rs.69,174
2028Rs.60000Rs.30000012%Rs.1,12,432
2029Rs.60000Rs.36000012%Rs.1,68,785
2030Rs.60000Rs.42000012%Rs.2,39,895
2031Rs.60000Rs.48000012%Rs.3,27,633
2032Rs.60000Rs.54000012%Rs.4,34,108
2033Rs.60000Rs.60000012%5,61,695

How to use SIP Calculator?

You can easily use SIP Calculator by following below steps:

  • Enter the Monthly SIP amount
  • Now Fill out other details, Investment duration and expected rate of return
  • Calculator will show you the estimated corpus with a beak-up of earned interest and invested amount. 

Benefits of Using an SIP Calculator

An SIP calculator offers several advantages for investors in India:

  1. Precise Planning: SIP calculators provide accurate projections of investment growth based on key inputs, such as the investment amount, duration, and expected returns. Using mathematical algorithms, these tools generate reliable estimates, helping investors manage their finances effectively.
  2. Scenario Comparison: By adjusting factors like investment amount, duration, and expected return, SIP calculators allow users to evaluate different investment scenarios. This helps investors make informed decisions based on their financial goals, enabling them to devise alternative strategies that could yield favorable results.
  3. Visualization of Potential Returns: SIP calculators give investors a clear view of how their investments can grow over time through consistent contributions. Graphs and charts illustrating the power of compounding are provided, helping users make well-informed decisions about their investment strategies.
  4. Goal Setting and Tracking: SIP calculators assist investors in setting achievable financial goals and tracking their progress toward them. By inputting specific objectives, such as retirement savings or funding a child’s education, investors can estimate how much they need to invest and monitor their advancement over time.