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 is a mutual fund investment forecasting utility that calculates future wealth accumulation and compounding capital growth from Systematic Investment Plans (SIP). Applying the compounding annuity equation M = P * [((1 + i)^n - 1) / i] * (1 + i), it evaluates monthly investment contributions, expected annual rates of return (CAGR), and investment durations ranging from 1 to 30 years. Investors, personal finance advisors, and retirement planners use this compounding simulator to forecast long-term wealth targets, analyze the impact of step-up annual contribution increases, compare invested capital against compound gains, and plan financial milestones (such as home purchases, higher education, or retirement). Featuring visual growth area charts and annual breakdown tables, all compounding arithmetic executes locally in your browser, keeping your personal investment targets, net worth projections, and monthly savings plans completely private.
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)
SIP Maturity Formula Explained: Annuity Math, Step-Up SIPs, XIRR, and Taxation
Derive the SIP future-value formula from first principles, model step-up contributions, measure realised returns with XIRR, and understand equity fund capital gains treatment in India.
Read Full TutorialRelated Tools & Converters
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.