SIP & Lumpsum Calculator
Estimate what your mutual-fund investments could grow to — a monthly SIP or a one-time lumpsum.
SIP vs lumpsum
A SIP (Systematic Investment Plan) invests a fixed amount every month, which averages out your purchase price across market ups and downs — useful when you have a steady income rather than a big sum upfront. A lumpsum invests everything at once and benefits most when markets rise steadily afterwards.
The maths
For a SIP, each monthly instalment compounds for the months remaining, giving FV = P × (((1+i)^n − 1) ÷ i) × (1+i). A lumpsum simply grows as FV = P × (1+rate)^years. Here i is the monthly return and n the number of months.
Note: returns are assumed and constant. Real mutual-fund returns vary year to year and aren't guaranteed; this is a planning estimate, not advice.