Calculate using SIP calculator how your money grows with SIP and lumpsum investing
Do you ever wonder how much your monthly savings will actually be worth in 10 or 20 years? If so, you are in the right place. Whether you’re investing ₹500 a month or putting in a lumpsum of ₹1 lakh, this SIP calculator gives you a clear answer. Moreover, it includes an inflation adjustment so you know what that future number means in today’s money. Simply enter your numbers above and watch the results update instantly.
What is SIP investing?
A Systematic Investment Plan (SIP) lets you invest a fixed amount in a mutual fund every month. As a result, you invest automatically without ever needing to time the market. Even ₹1,000 a month at a 12% average annual return grows to over ₹5 lakh in 15 years. This works because of compounding — your returns generate their own returns. Furthermore, the effect accelerates powerfully the longer you stay invested. In addition, SIPs remove the emotional stress of deciding when to enter the market. Since you invest every month regardless of market conditions, you naturally buy more units when prices are low and fewer when prices are high. Therefore, your average cost per unit stays lower over time.
What is lumpsum investing?
A lumpsum investment is a one-time amount you put into a mutual fund. This is typically done when you receive a bonus, an inheritance, or any windfall income. Unlike SIP, a lumpsum puts your entire capital to work from day one. Consequently, it grows faster when markets perform well over your investment period. However, it also carries more timing risk — if markets fall right after you invest, recovery takes longer. That said, over a long horizon of 10 years or more, timing matters much less. In fact, studies show that time in the market consistently beats timing the market.
SIP vs lumpsum — which is better for you?
Neither approach is universally better. Instead, the right choice depends entirely on your income pattern and financial goals. If you earn a regular salary, SIP is almost always the smarter starting point. On the other hand, if you have a large surplus sitting in a savings account earning 3–4%, moving it into a lumpsum mutual fund investment makes clear sense. Additionally, both strategies can be combined — many investors run a monthly SIP for discipline while also making lumpsum top-ups during market dips. As a result, they benefit from the advantages of both approaches simultaneously.
How to use this SIP calculator
Using this calculator is straightforward. First, select your mode — SIP, Lumpsum, or Compare Both. Then, enter your investment amount and expected annual return rate. Next, adjust the time horizon using the slider to match your goal. Finally, toggle on the inflation adjustment to see what your corpus is worth in today’s purchasing power. That said, keep in mind that the return rate you enter is an assumption. Therefore, try a few scenarios — for example, 10%, 12%, and 15% — to understand the range of possible outcomes.
Disclaimer: This calculator assumes a constant rate of return for illustration purposes. Actual mutual fund returns vary with market conditions and are not guaranteed. Please consult a SEBI-registered investment advisor before making investment decisions.
SIP & Lumpsum Calculator
Plan your mutual fund investments and see how wealth grows over time.
- Total value
- Amount invested
* Assumes constant annual return. Mutual fund returns vary with market conditions. For educational purposes only. Consult a SEBI-registered advisor before investing.
Calculator by TheMindPole — Mindset. Lifestyle. Growth.
Start your SIP journey — a quick guide
New to mutual funds? To begin with, open a free account on any SEBI-registered platform. Zerodha Coin, Groww, and ET Money are all popular and well-regulated options. Once your account is set up, choose a fund category that matches your goal. For instance, equity funds work best for long-term wealth building over 5 or more years. Debt funds, meanwhile, are better suited for capital protection over shorter periods. If you are still unsure where to start, consider an index fund. Not only are index funds low cost, but they also offer broad market exposure with consistent long-term performance. After that, increase your SIP amount by 10% every year as your income grows — this single habit makes a dramatic difference to your final corpus. To go deeper, read our investing articles on TheMindPole.