📈 SIP & Lumpsum Calculator | Accurate Returns
Calculate returns for Systematic Investment Plan (SIP) or One-time Lumpsum with precise compounding. Save scenarios, track yearly wealth projection.
✨ Free Forever
💾 Save Scenarios
📊 Yearly Projection
✅ 100% Accurate
💰 SIP INVESTMENT DETAILS
💡 Example: ₹25,000/month for 20 years @ 12% = ₹2.48 Crore
📁 Your Saved Scenarios
📅 Monthly Investment₹0
📈 Expected Return0%
⏱️ Investment Period0 Years
💰 Total Invested Amount₹0
📊 Wealth Gained (Returns)₹0
🏆 Estimated Future Value₹0
📋 Year-wise Wealth Projection
| Year | Invested (₹) | Wealth Gained (₹) | Total Value (₹) |
|---|---|---|---|
| Enter investment details | |||
📊 The Power of Compounding & Rules
Rule of 72
72 ÷ Interest Rate = Years to double
72 ÷ Interest Rate = Years to double
Rule of 114
114 ÷ Rate = Years to triple
114 ÷ Rate = Years to triple
Rule of 144
144 ÷ Rate = Years to quadruple
144 ÷ Rate = Years to quadruple
SIP vs Lumpsum
SIP allows regular investments with rupee cost averaging. Lumpsum is a one-time investment, ideal for windfall gains.
Accurate Formulas
SIP: FV = P × [((1+r)^n - 1)/r] × (1+r)
Lumpsum: FV = P × (1+r)^n
Start Early
Starting early gives your investments more time to grow through compounding, potentially doubling or tripling your corpus.
❓ Frequently Asked Questions
What is the minimum SIP amount? ▼
Most mutual funds allow SIP starting from ₹500 per month. Some funds offer ₹100 SIPs.
How is SIP return calculated? ▼
SIP returns are calculated using the future value of annuity formula: FV = P × [((1+r)^n - 1)/r] × (1+r), where P is monthly investment, r is monthly return, n is number of months.
Are returns guaranteed? ▼
No, equity investments are subject to market risks. Long-term (7+ years) historically delivered 10-15% returns.
What is Step-Up SIP? ▼
Step-Up SIP allows increasing investment amount annually, helping match income growth and boost corpus significantly.