What is the difference between SIP and Lumpsum?

A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly (monthly), which helps in averaging purchase costs. A Lumpsum investment is a one-time deposit of a significant sum of money.

How is the SIP return calculated?

SIP calculations use the future value of an annuity formula: M = P * [ ( (1 + i)^n - 1 ) / i ] * (1 + i), where P is monthly investment, i is monthly return rate, and n is total months.

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SIP & Lumpsum Calculator

Estimate the growth of your investments over time. Compute target values for SIP and Lumpsum deposits instantly.

Monthly Investment

Expected Return Rate (p.a.)

Time Period (Years)

Invested Amount ₹2,50,000

Est. Returns ₹2,50,000

Total Value ₹5,00,000

Invested Returns

Frequently Asked Questions

What is a SIP?

SIP stands for Systematic Investment Plan. It is a utility offered by mutual funds to help investors invest disciplined sums regularly in selected portfolios, reducing timing risk via rupee cost averaging.

Does this tool support tax deductions?

No. This tool calculates pure mathematical compound growth rate returns. Tax on returns (like long-term or short-term capital gains tax) varies by region and holding period.

Is the calculations data sent to a server?

No. All compounding interest and annuity calculations are processed purely locally in your browser. None of your financial planning figures are sent to our servers.

Can I enter values beyond the sliders range?

Yes. You can manually type larger or more precise numbers inside the numeric input fields at the top of each slider group to calculate values beyond the default range.