📊 SIP / Lumpsum Calculator

Estimate your investment returns dynamically using real-time charts.

📈 Investment Summary

Total Investment:
0

Estimated Gained:
0

Total Value:
0

📊 What is a SIP / Lumpsum Calculator?

Depending on whether you have chosen to invest in Lumpsum or SIP (Systematic Investment Plan), this calculator assists you in estimating the future value of your investments. It provides you with a clear picture of your expected returns by taking into account variables like interest rate, duration, and optional annual step-up.

⚙️ Input Fields Explained

  • Investment Type: Select between Lumpsum (one-time investment) and SIP (monthly investment).
  • Amount (₹): Enter the amount you intend to invest once (for Lumpsum) or monthly (for SIP).
  • Interest Rate: Determine the anticipated yearly yield, such as 12%.
  • Duration: Choose the length of the investment in years, such as ten.
  • Annual Step-up (%): To replicate yearly growth in your investment amount when using SIP, enter a percentage increase (e.g., 5% yearly increase).
  • Currency: Choose the currency of your choice (₹, $, €, £, ¥).

📘 Formula Used

For SIP (Monthly Investment)

FV = P × [(1 + r)n - 1] × (1 + r) / r

  • P = Monthly Investment
  • r = Monthly Interest Rate = Annual Rate ÷ 12 ÷ 100
  • n = Total Number of Months = Duration × 12
  • Step-up Applied: If a step-up percentage is added, the monthly investment amount increases each year

For Lumpsum Investment

FV = P × (1 + r)n

  • P = One-time Investment
  • r = Annual Rate ÷ 100
  • n = Duration in years

✅ Benefits of This Calculator

  • Results that are dynamic and real-time
  • includes an optional yearly step-up to account for increases in income and salary.
  • supports a variety of currencies with appropriate formatting
  • Interactive investment and gain chart visualisation
  • Completely desktop and mobile responsive design

💡 Example

SIP Example:

  • Investment Type: SIP (Monthly)
  • Amount: ₹5,000
  • Interest Rate: 12%
  • Duration: 10 years
  • Annual Step-up: 0%

Estimated Results:

  • Total Investment: ₹6,00,000
  • Future Value: ₹11,61,695
  • Wealth Gained: ₹5,61,695

❓ Frequently Asked Questions (FAQ)

What is the Annual Step-up (%)?

This is the annual percentage increase in your monthly SIP amount. For instance, in year two, a 10% increase in ₹5,000 will equal ₹5,500.

Is the calculator accurate?

Yes, the calculator employs the same compound interest formulas that financial planners and experts use.

Can I use it for mutual fund planning?

Indeed, SIPs are frequently used for investments in mutual funds, and this calculator aids in efficient planning.

Is currency formatting automatic?

Indeed, the tool formats values according to the chosen currency (₹, $, €, £, ¥).

👥 Who Should Use This Tool?

This SIP and Lumpsum Calculator is ideal for:

  • New Investors – Recognise the potential growth of modest monthly investments.
  • Working Professionals – base your wealth-building strategy on step-up growth and salary.
  • Financial Planners – To help clients set investment goals, get a quick projection.
  • Mutual Fund Investors – Calculate returns for both one-time and systematic investments.
  • Retirement Planners – Create a sound future corpus by considering duration, returns, and yearly growth.
  • Students or Beginners – Find out how time and compounding impact investment returns.