Wealth & Investment Tool
Online SIP & Lumpsum Calculator
Plan your financial freedom. Estimate future wealth gains from your monthly SIPs or one-time lumpsum mutual fund investments using compound interest.
Investment Plan
₹500₹2,00,000/mo
1%30%
1 Year40 Years
Wealth Projection
Expected Total Value₹11,20,179
Gain Ratio46%
Invested Amount
₹6,00,000Estimated Wealth Gains
₹5,20,179Total Corpus₹11,20,179
What is a Systematic Investment Plan (SIP)?
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly (typically every month) into a mutual fund scheme or index fund. It promotes disciplined investing and leverages Rupee Cost Averaging and compound interest to build long-term wealth.
How Monthly SIP Works
With an SIP, you buy more units when market prices are low and fewer units when prices are high. Over 5-20 years, compound interest significantly accelerates your returns.
SIP vs Lumpsum
SIP is ideal for salaried individuals investing part of their monthly income, whereas Lumpsum is great for investing a one-time windfall, bonus, or existing savings.
Expected Return Benchmarks
| Asset Class / Fund Type | Historical Expected Return (p.a.) | Risk Profile |
|---|---|---|
| Debt Funds / Fixed Income | 6% - 8% | Low |
| Large Cap / Nifty 50 Index Funds | 11% - 13% | Moderate |
| Flexi Cap / Multi Cap Funds | 13% - 16% | High |
| Mid Cap & Small Cap Funds | 15% - 18%+ | Very High |