SIP & Lump Sum Wealth Calculator
Calculate expected returns on Systematic Investment Plans (SIP) and Lump Sum investments with compounding growth charts and inflation-adjusted real purchasing power.
A SIP Calculator estimates the future maturity value of monthly mutual fund investments based on compounding interest rates and investment durations client-side.
Where P = Monthly Amount, i = Monthly Rate (Annual / 12), n = Total Months.
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How to Use SIP & Lump Sum Wealth Calculator
Select Investment Mode
Choose "Monthly SIP" to model periodic monthly contributions or "One-Time Lump Sum" for a single initial investment.
Set Investment Amount & Expected Returns
Use the sliders to adjust your investment amount, expected annual return rate (% p.a.), and target time horizon in years.
Toggle Inflation Adjustment & Inspect Chart
Optionally enable the inflation adjustment toggle to calculate the real purchasing power of your final corpus in today’s money.
Practical Examples & Conversions
Monthly SIP: ₹10,000 | Expected Return: 12% | Period: 10 Years
Invested: ₹12,00,000 | Wealth Gained: ₹11,23,391 | Total Corpus: ₹23,23,391
Frequently Asked Questions (PAA)
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Authoritative Standards & Citations
Calculations and algorithms on this page are implemented and verified in strict accordance with the following official technical specifications:
IEEE 754: Standard for Floating-Point Arithmetic
Industry standard for floating-point computation formats, rounding rules, and arithmetic.
Reserve Bank of India (RBI) Lending Guidelines & Amortization Rules
Standardized interest compounding frequency and EMI calculation guidelines.