Investment Calculator
Calculate returns for Systematic Investment Plan (SIP) and Lump Sum investments. Switch between tabs to compare different investment strategies and make informed financial decisions.
SIP Calculator
Lump Sum Calculator
• Monthly investment: $1 - $100,000
• Expected return: 0% - 50% per annum
• Time period: 1 - 600 months (50 years)
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Fill in the form and click calculate to see your investment projections here.
Understanding Your Investment Options
SIP (Systematic Investment Plan)
Invest a fixed amount regularly (monthly) to benefit from rupee cost averaging and compound growth over time.
- • Disciplined investment approach
- • Reduces market timing risk
- • Benefits from compound interest
- • Suitable for long-term wealth creation
Lump Sum Investment
Invest a large amount at once to potentially maximize returns when market conditions are favorable.
- • Immediate full market exposure
- • Potentially higher returns in bull markets
- • Requires market timing consideration
- • Suitable when you have surplus funds
Investment Tips
These calculations are estimates based on assumed constant returns. Actual market returns vary and past performance doesn't guarantee future results. Consider your risk tolerance, investment horizon, and financial goals. Diversify your portfolio and consult with a financial advisor for personalized advice.
💡 SIP Tips
- ✓Start early to maximize compounding benefits
- ✓Increase SIP amount with salary increments
- ✓Stay invested for at least 5-7 years
- ✓Don't stop during market downturns
📚Understanding SIP Investments
What is SIP?
Systematic Investment Plan (SIP) is a method of investing a fixed amount regularly in mutual funds, typically monthly.
SIP works on the principle of rupee cost averaging - you buy more units when prices are low and fewer when prices are high.
💡 Key Benefit: Reduces the impact of market volatility on your investments
SIP vs Lump Sum
- Reduces timing risk
- Builds investment discipline
- Suitable for regular income earners
- Lower entry barrier
- Potentially higher returns in rising markets
- Immediate full exposure to market
- Suitable for surplus funds
Power of Compounding
The earlier you start, the more time your money has to compound. Even small amounts invested regularly can grow significantly over time.
Example:
₹5,000/month for 20 years at 12% annual return = ₹49.96 lakh
Total invested: ₹12 lakh | Returns: ₹37.96 lakh
Investment Tips
- Start early to maximize compounding benefits
- Increase SIP amount annually with salary increments
- Stay invested for at least 5-7 years
- Don't stop SIP during market downturns
- Diversify across different fund categories
- Review and rebalance portfolio annually