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InsightforGeeks

SIP & Lumpsum Calculator

Plan your mutual fund wealth creation with our free SIP and Lumpsum calculator. Adjust monthly contributions, expected annual return rate, and time horizon to see your estimated wealth gain and final maturity corpus instantly.

₹
₹500₹50,000₹1,00,000
%
1%12% (Nifty avg)30%
Yr
1 Year10 Years40 Years
Popular Scenarios

Projected Wealth Breakdown

Invested Amount₹6,00,000
Estimated Returns+₹5,61,695
Total Value (Corpus)
₹11,61,695
≈ ₹11.62 Lakh
Gain48%
Invested (52%)Returns (48%)

How to use it

  1. Select whether you want to calculate a monthly SIP or a one-time Lumpsum investment.
  2. Use the slider or type your investment amount (e.g. ₹5,000/month or ₹1,00,000 one-time).
  3. Set your expected annual rate of return (historical equity mutual funds in India average 12%–14% CAGR).
  4. Choose your investment tenure (from 1 to 40 years).
  5. Review your total invested amount, estimated returns, visual pie breakdown, and year-by-year schedule.

Frequently asked questions

What is a Systematic Investment Plan (SIP)?

A SIP allows you to invest a fixed amount regularly (usually monthly) in a mutual fund scheme. It instills financial discipline and benefits from rupee cost averaging and compounding.

What is the formula used for SIP calculations?

The future value of a SIP is calculated as M = P × [((1 + i)^n - 1) / i] × (1 + i), where P is the periodic investment, i is the monthly interest rate (annual rate / 12 / 100), and n is the total number of monthly payments.

What is the difference between SIP and Lumpsum?

In a SIP, you invest a fixed amount periodically across market highs and lows. In Lumpsum, you invest your entire corpus at once. SIP reduces timing risk, while lumpsum can yield higher returns if invested during market dips.

What is a realistic expected return rate for mutual funds in India?

Historically over 7–10 year horizons, Indian large-cap index funds (Nifty 50) have delivered 12%–13% CAGR, while diversified flexi-cap and mid-cap funds have generated 13%–16% CAGR. Fixed deposits and debt funds typically yield 6%–7%.

Are mutual fund SIP returns guaranteed?

No. Mutual fund investments are subject to market risks. Returns fluctuate based on underlying equities and economic conditions. Calculators provide indicative projections based on your assumed return rate.

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