Money & Finance
SIP & lumpsum calculator
Three questions in one: what will my SIP be worth, what will a lump sum grow to, and how much do I need to save each month to reach a goal?
- Free, no sign-up
- Runs in your browser
- Nothing uploaded
Question
Only changes the symbol and number format. No exchange rates are used.
What do you want to work out?
Investment
Tick this if you mean "1 million of today's buying power".
A guess, not a promise. Past returns do not predict future returns.
Extras (optional)
Raise the SIP by this much every year.
Shows the result in today's money.
Result
Year-by-year growth
How it works
The SIP result uses the formula most Indian calculators use: each instalment is invested at the start of the month and grows at the annual rate divided by 12.
Value = P × ((1 + i)n − 1) ÷ i × (1 + i)
P = monthly SIP, i = annual rate ÷ 12 ÷ 100, n = number of months
Lumpsum = amount × (1 + annual rate)years
Step-up raises the instalment once every 12 months. The goal planner finds the SIP by scaling a SIP of 1, which works because the value grows in direct proportion to the instalment. Inflation divides the result by (1 + inflation)years to show what it could buy in today's money.
Frequently asked questions
Is a SIP return really 12% a year?
No return is guaranteed. 12% is a common planning assumption for equity funds over long periods, but your actual result can be much higher or lower. Try 8%, 10% and 12% to see the range.
Why does the lumpsum use yearly compounding?
Lumpsum calculators usually compound yearly, SIP calculators monthly. Both follow the common convention, so the numbers match what you will see elsewhere.
Does it include tax or exit load?
No. Capital-gains tax, exit loads and expense ratios are not included.
Is anything sent anywhere?
No. It all runs in your browser.