Calculate your investment growth using a monthly SIP, a one-time lumpsum, or both together — see how much of the final value you put in and how much compounding added.
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The two investment types use different formulas because they compound differently.
SIP (monthly instalments): each instalment compounds for a different length of time, so the future value uses a growing-annuity formula:
Lumpsum (one-time investment): the entire amount is invested on day one and compounds at the same rate for the full period:
Where P is the monthly SIP amount, L is the lumpsum, i is the monthly return (annual rate ÷ 12), r is the annual rate, n is the number of months, and y is the number of years. When both are selected, the two maturity values are simply added together.
This calculator assumes a constant rate of return for illustration only. Actual mutual fund and SIP returns fluctuate with the market and are never guaranteed. This is an educational estimate, not investment advice — please read our full disclaimer.