SIP & lumpsum calculator
Enter a monthly amount (or a one-time amount), the number of years and the return you expect. The calculator compounds monthly for SIPs and yearly for a lumpsum, then shows invested amount, gains and absolute return.
Estimated future value
₹3,10,585
- Amount invested
- ₹1,00,000
- Wealth gained
- ₹2,10,585
- Return on investment
- 210.58%
- Compounded yearly
- 10 years @ 12%
Calculations assume returns are reinvested and are not adjusted for inflation or tax. Mutual fund returns are market-linked — this is an illustration, not advice.
- Invested amount₹1.00 L · 32.2%
- Est. returns₹2.11 L · 67.8%
How to use this calculator
Enter a monthly amount (or a one-time amount), the number of years and the return you expect. The calculator compounds monthly for SIPs and yearly for a lumpsum, then shows invested amount, gains and absolute return.
Free SIP calculator and lumpsum calculator for Indian mutual funds. Estimate the future value of a monthly SIP or a one-time investment over 5, 10, 15 or 20 years.
Frequently asked questions
What return rate should I assume for an equity SIP?+
Nifty 50 has delivered roughly 11-12% CAGR over long windows. Most planners use 12% for large-cap funds and 14% for mid- and small-cap funds, and 7-8% for debt funds.
Is a SIP better than a lumpsum investment?+
A SIP spreads your entry cost over time, which reduces the risk of investing everything just before a fall. A lumpsum usually wins on paper when markets rise steadily; a SIP wins when the market is volatile.
Are the calculator results taxable?+
Equity mutual funds held beyond 125 days are taxed as capital gains; debt funds and SIP gains are taxed per your slab and the holding period. The calculator is pre-tax.