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
What the SIP calculator answers
A systematic investment plan (SIP) invests a fixed amount every month, usually into a mutual fund. This calculator answers three related questions: what a monthly SIP could be worth after a number of years, what a single lump sum could grow to, and how much you would need to invest each month to reach a goal. Extras cover a yearly step-up, savings already invested and inflation.
SIP value = P × ((1 + i)n − 1) ÷ i × (1 + i)
P = monthly SIP, i = yearly return ÷ 12 ÷ 100, n = months, each instalment invested at the start of the month
Lump sum value = amount × (1 + yearly return)years
The return you type is an assumption, not a forecast. Mutual fund investments are subject to market risks; returns are not guaranteed, and past performance does not indicate future returns.
How to use it
- Pick SIP value, Lumpsum value or Goal planner, and enter the amount or goal.
- Type an expected yearly return and the number of years.
- Optionally add a step-up, existing savings and inflation.
- Read the year-by-year table, then retry with a lower and a higher return.
Worked example: ₹10,000 a month for 10 years
You invest ₹12,00,000 in total. If the yearly return averaged 8%, the estimate is about ₹18,41,657; at 10% it is ₹20,65,520; at 12% it is ₹23,23,391. The same contributions produce a gap of almost ₹5 lakh between the low and high cases, which is why a single figure should never be read as a promise.
With a 10% yearly step-up at a 10% return, you invest ₹19,12,491, the last year's SIP is ₹23,579 a month, and the estimate is ₹30,45,852, or about ₹17,00,788 in today's money at 6% inflation. A ₹5,00,000 lump sum for 10 years at 10% reaches ₹12,96,871. To aim for ₹25,00,000 in 12 years at 10%, the goal planner suggests a SIP of about ₹8,969 a month.
When to use it, and what it leaves out
Use it to size a monthly amount for a goal or see what a step-up adds. It assumes one steady return, while real fund values rise and fall, and the order of good and bad years changes the outcome.
Expense ratios, exit loads and capital-gains tax are not deducted. A fund's expenses come out of its assets and are already reflected in its NAV, so compare any projection with the fund's own disclosures. This page does not recommend any fund or category.
Frequently asked questions
What return should I enter?
There is no correct number. Run the same plan at a cautious, a middle and an optimistic rate, and plan around the cautious one. The preset return is only a starting value to change.
Why does the lump sum compound yearly but the SIP monthly?
That is the common convention, so results line up with other calculators.
What does "in today's money" mean?
The future value divided by (1 + inflation) for each year, which shows roughly what it could buy at today's prices.
Privacy
Your inputs are processed by your browser and are not sent to BeginThings. Goals and amounts you try here are not linked to any account or fund house.
Sources
- SEBI Investor, Net Asset Value and expenses of mutual funds
- SEBI Investor, Future value calculator
Last checked: 25 Oct 2026, for the note on fund expenses and the lump-sum growth formula.