SIP & Lumpsum Calculator
Forecast long-term compounding, wealth gain, and real purchasing power of your investment plan.
Tip: Change one assumption at a time and compare result deltas before making pricing or hiring decisions.
Use this calculator to compare recurring SIP investing with a one-time lumpsum investment. It helps you estimate future value, total capital invested, wealth gain, and the practical effect of time, return assumptions, inflation, and optional step-up behavior.
1. Choose SIP or lumpsum mode
Use SIP mode for regular periodic investing, or switch to lumpsum mode when you are investing one amount upfront.
2. Enter amount, return, and tenure
Add the contribution or principal amount along with your expected annual return and investment horizon.
3. Add practical assumptions if needed
Use inputs such as annual step-up or inflation adjustment when you want a more realistic long-term planning view.
4. Review growth, not just the final number
Check invested amount, wealth gain, and inflation-adjusted value together to judge whether the plan supports your target.
What is the difference between SIP and lumpsum investing?
SIP spreads investments over time through regular contributions, while lumpsum invests the full amount at the start.
Does the calculator guarantee returns?
No. It projects outcomes from the return assumptions you enter, but actual market performance can differ.
Why would I use annual step-up?
Step-up helps model rising contributions over time, which is useful when income is expected to grow.
Why is inflation-adjusted value useful?
It helps you see what the future corpus may be worth in today's purchasing power rather than only in nominal terms.
Should I compare SIP and lumpsum with the same target?
Yes. Testing both modes with similar return assumptions is a practical way to understand the trade-off between timing and contribution style.