SIP / Investment Calculator
Project the maturity value of a Systematic Investment Plan (SIP) with optional lumpsum and annual step-up, and compare SIP, lumpsum, and combined modes side by side.
Interactive tool
Strategy
Result
LiveWhat is a SIP / Investment Calculator?
A SIP (Systematic Investment Plan) calculator projects the future value of regular monthly investments at an expected rate of return. This calculator also supports a one-time lumpsum, an annual step-up to grow your contribution each year, and a side-by-side comparison of SIP vs lumpsum vs combined strategies.
How to Use the SIP Calculator
- 1Pick a strategy: SIP, lumpsum, or combined
- 2Enter the monthly contribution and / or one-time lumpsum
- 3Enter the expected annual return and the duration in years
- 4Optionally add an annual step-up percentage to grow your monthly contribution each year
- 5Read the projected maturity value, total invested, and total returns
- 6Switch to "combined" mode to see all three strategies side by side
Key features
SIP / Lumpsum / Combined modes
Switch strategies with one click and compare side by side
Annual step-up support
Grow your monthly contribution by a fixed percent every year
Approximate annualised return
See the rate at which your invested principal grew to the maturity value
Year-by-year stacked-area chart
Visualise invested principal vs earned returns over the duration
Multi-currency
30+ ISO 4217 currencies for global investors
Locale-aware formatting
Numbers and currencies formatted using your browser locale
Three-way comparison
In combined mode, see SIP-only, lumpsum-only, and combined together
100% private
No portfolio details ever leave your browser
Why Use a Dedicated SIP Calculator?
Mutual fund and brokerage SIP calculators usually fix the contribution and skip step-up scenarios entirely. This tool gives you a step-up field, a strategy switcher, and a clear stacked-area chart of invested principal vs returns: making it easier to compare an aggressive plan to a steady one before committing.
Common use cases
- Project the maturity value of a 20-year retirement SIP
- Compare a $500/mo SIP vs a $60k lumpsum invested today
- Model a step-up plan that adds 10% to your contribution each year
- Plan a child education corpus with an end-date in mind
- Stress-test a portfolio at 8% vs 12% expected return
- Show clients or family the impact of starting early
SIP vs lumpsum: which wins?
- Lumpsum wins when you have the money today and the market is up-trending: your full principal compounds for the full duration
- SIP wins when the market is volatile or you do not have the lumpsum: rupee-cost averaging dampens the entry-price risk
- Combined often beats either alone because you remove "timing the market" worry while still getting the full lumpsum compounding for early money
- This calculator does not model volatility. It assumes a constant rate of return. Use the "approximate annualised return" line to sanity-check the projection
Step-up SIP intuition
A step-up SIP grows your contribution by a fixed percent every year (typically 5-15%, matching salary growth). Even a modest step-up dramatically increases the maturity corpus, because the larger contributions in later years still compound for several years.
Tips & best practices
Use realistic returns
Long-run equity returns are 8-12% in most large markets. Be skeptical of any plan assuming 15%+ over a decade.
Inflation-adjust your goal
A "maturity value of 1 crore in 20 years" is not the same as 1 crore today. Subtract long-run inflation (~3-6%) to see real purchasing power.
Step-up matches life
Salaries usually grow faster than inflation, so a step-up SIP roughly tracks your real cash-flow capacity.
Compare strategies
Switch to "combined" mode to see all three side by side: useful when deciding whether to invest a windfall as lumpsum or SIP it over a year.
Tax is not modelled
Returns shown are pre-tax. For taxable accounts, apply your local capital-gains rate to the "Total returns" line.
Privacy & security
This SIP / investment calculator runs entirely in your browser. No portfolio amounts, returns, or durations are uploaded, logged, or shared.
Related tools
- Mortgage Calculator
Calculate the full monthly mortgage payment including principal, interest, property tax, home insurance and PMI, with a stacked breakdown and total cost of ownership over the life of the loan.
Finance Tools
- Loan / EMI Calculator
Calculate the monthly payment (EMI), total interest, payoff date, and amortization breakdown for a fixed-rate loan with optional extra payments.
Finance Tools
- Compound Interest Calculator
Compute the future value, total interest and effective annual rate of a savings or investment account with annual / quarterly / monthly / daily / continuous compounding and optional monthly contributions.
Finance Tools
- Profit Margin Calculator
Compute gross profit margin, markup, revenue, and cost in four directions. Includes a margin-vs-markup explainer so the two never get confused.
Finance Tools
- Loan Amortization Schedule
Generate the full month-by-month amortization schedule for a fixed-rate loan, with sortable columns, year filter, balance-over-time chart, and CSV / Markdown export.
Finance Tools
- Discount & Sale Price Calculator
Calculate the discount amount, final sale price and savings from any two of: original price, discount %, final price, or amount-off. Optionally add tax for the after-tax total.
Finance Tools
Frequently Asked Questions
What is a SIP?
A Systematic Investment Plan (SIP) is a strategy of investing a fixed amount at regular monthly intervals into a mutual fund or brokerage account. SIPs smooth out market timing risk and use rupee-cost averaging to acquire more units when prices are low and fewer when they are high.
What is the difference between SIP and lumpsum?
SIP spreads the investment over time with monthly contributions; lumpsum invests the full amount once. Lumpsum compounds longer and usually wins in steadily up-trending markets, but SIP reduces the cost of being wrong about market timing.
What is a step-up SIP?
A step-up SIP increases the monthly contribution by a fixed percentage every year (typically 5-15%) to match salary growth. Even a modest step-up significantly boosts the maturity corpus because larger contributions in later years still get years to compound.
Does this calculator account for market volatility?
No. It uses a constant expected annual return for the full duration. Real returns are volatile. The "approximate annualised return" line is the rate that grows your invested capital to the projected maturity value, useful as a sanity check.
Are the returns shown pre-tax or post-tax?
Pre-tax. For taxable accounts, apply your local capital-gains tax rate to the "Total returns" line. For tax-advantaged accounts (401k, ISA, ELSS, etc.), the projected number is closer to the actual after-tax outcome.
Is my data uploaded anywhere?
No. The calculator runs entirely in your browser. Contributions, lumpsums, and returns never leave your device.