SIP Calculator
Results:
Total Invested: ₹
Future Value: ₹
Real Value after Inflation: ₹
Results:
Future Value: ₹
Real Value after Inflation: ₹
📊 Year-wise Investment Growth Table
The following table dynamically updates based on your SIP inputs:
| Year | Total Invested (₹) | Future Value (₹) | Real Value After Inflation (₹) |
|---|
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SIP and Lump Sum Calculator – Grow Your Wealth Smartly
Planning your investments effectively is a crucial step toward achieving financial independence. Whether you're just starting your investment journey or you're an experienced investor looking for precise projections, a SIP and Lump Sum calculator can be your trusted companion. This tool helps you estimate the future value of your investments by considering factors such as amount, interest rate, duration, and inflation.
What is a SIP?
SIP stands for Systematic Investment Plan. It's a method of investing a fixed amount at regular intervals—usually monthly—into a mutual fund or other investment avenue. SIPs promote financial discipline, making it easier to grow wealth gradually. The key benefit of SIP is rupee cost averaging, which helps reduce the impact of market volatility. It also takes advantage of the power of compounding to grow your investments significantly over time.
What is a Lump Sum Investment?
A lump sum investment is a one-time large investment made at a particular point in time. It’s ideal when you have surplus funds and want to make your money work for you immediately. With proper market timing and analysis, lump sum investments can lead to higher returns, especially in a bullish market. However, it also carries the risk of market fluctuations, making timing crucial.
📐 SIP & Lump Sum Formulas
SIP Formula:
FV = P × [ (1 + r)n - 1 ] × (1 + r) ⁄ r
where,
FV = Future Value,
P = Monthly investment,
r = Rate of return per month,
n = Total number of months
Lump Sum Formula:
FV = P × (1 + r)n
where,
FV = Future Value,
P = Initial investment,
r = Rate of return per year,
n = Number of years
Why Consider Inflation in Investment Planning?
Inflation gradually erodes the value of money. What costs ₹1,000 today may cost ₹1,500 in the future. If your investments don’t outpace inflation, your real wealth may not grow. Our calculator gives you the option to factor in inflation, helping you see the actual purchasing power of your future returns. This provides a more accurate picture of what your investments are truly worth in real-world terms.
How Our Calculator Helps
Our dual-mode calculator is easy to use and offers insightful data. In SIP mode, simply input your monthly investment amount, interest rate, investment duration, and optional inflation rate to calculate the expected corpus. In Lump Sum mode, enter your one-time investment and let the calculator do the rest. The tool is ideal for long-term planners, short-term investors, and anyone who wants a visual understanding of their financial future.
Benefits of Using This SIP & Lump Sum Calculator
- Estimate your total investment and future value accurately.
- Understand how inflation affects your financial growth.
- Compare SIP and Lump Sum strategies in one place.
- Ideal for financial planning, goal setting, and investment tracking.
- Responsive, user-friendly design for desktop and mobile.
Frequently Asked Questions (FAQ)
Start using our SIP and Lump Sum Calculator today to take control of your financial future. Whether you're saving for retirement, your child's education, or building a wealth corpus, this tool will guide you with smart projections and inflation-adjusted calculations.