SIP Calculator India – Calculate SIP Returns & Lumpsum Comparison

SIP Calculator + Lumpsum Comparison

Animated charts, Lakh/Crore formatting, shareable links with saved values, and SIP vs Lumpsum comparison using monthly compounding.

Inputs

Instant Update
Monthly Investment (SIP)
How much you invest every month
Time Period
Investment duration in years
Expected Return (p.a.)
Assumed annual return rate
Currency Format
Toggle display style
₹ Standard
Lakh / Crore
Share link saves values as URL params (example): ?p=5000&y=10&r=12&fmt=lc

Results (SIP)

Animated Charts
Total Invested₹0
Estimated Returns₹0
Maturity Value₹0
Monthly Rate Used0.00%
Donut shows Invested vs Returns. Animates on changes.

Breakdown

Invested
₹0
Returns
₹0
Maturity
₹0

Growth Line (Yearly)

Line chart shows estimated portfolio value at each year.

Yearly Breakdown

Yearly
5-Year Steps
Year Invested Estimated Value Gains
Calculation uses monthly compounding and assumes constant return rate. Real market returns vary.

Comparison: SIP vs Lumpsum

Same Horizon & Return
Equivalent Lumpsum (same total invested)
₹0
This equals SIP monthly × months.
Lumpsum Maturity (invested once at start)
₹0
Uses monthly compounding for parity.
SIP Maturity
₹0
Same as SIP result above.
Difference (Lumpsum − SIP)
₹0
Positive means Lumpsum higher.
SIP vs Lumpsum comparison is mathematical under constant return assumption. In real markets, timing and volatility matter.
OK

SIP Calculator Pro Tool

This SIP Calculator Pro helps you estimate how much your investment can grow if you invest a fixed amount every month through SIP (Systematic Investment Plan). You can enter your monthly SIP amount, investment duration (years), and expected annual return rate to instantly see three key results: total invested amount, estimated returns, and final maturity value.

The tool also includes a SIP vs Lumpsum comparison. This feature is useful if you want to understand the difference between investing monthly (SIP) versus investing the same total amount one time at the start (lump sum). Since the comparison uses the same time period and assumed return rate, it gives you a clear, apples-to-apples view of how both methods can perform under the same conditions.

For better readability, you can switch the currency display between standard INR (₹) and Lakh/Crore format. The interactive charts (doughnut + growth line) make it easy to understand how much of your final value comes from your contributions versus gains. You can also copy a shareable link that saves your inputs, so anyone opening the link will see the same values.

Disclaimer: This calculator provides estimates based on assumed returns and monthly compounding. Actual market returns can vary, and past performance does not guarantee future results.