How this calculation works
Compare SIP and lump-sum growth with step-up, inflation-adjusted, and real-return views. The result is calculated locally in your browser from the visible inputs, and the method below remains available for checking.
Worked example
Compare a ₹10,000 monthly SIP with a one-time ₹1 lakh investment, including estimated returns and value in today’s money.
Assumptions and limits
- Returns and inflation remain constant for illustration.
- SIP instalments are modelled at the beginning of each monthly period and returns are not guaranteed.
- A lump-sum investment is modelled as invested once at the beginning of the selected term.
- The expected annual return is treated as an effective annual return, not a nominal rate divided by 12.
Questions people ask
How does the SIP Calculator work?
It applies this displayed method: For SIP, the effective annual return is converted to an equivalent monthly rate before each instalment grows. For lump sum, future value = investment × (1 + annual return)ᵗ. Real return = (1 + return) ÷ (1 + inflation) − 1. Values stay in your browser and are not submitted to a server.
What should I check before using the SIP result?
Returns and inflation remain constant for illustration. SIP instalments are modelled at the beginning of each monthly period and returns are not guaranteed. A lump-sum investment is modelled as invested once at the beginning of the selected term. The expected annual return is treated as an effective annual return, not a nominal rate divided by 12. This is an educational projection. Returns, rates, inflation, tax treatment and product rules can change.
Does this SIP calculator save my information?
No. Calculation inputs are processed on this device. Sharing creates a URL only when you choose the share action.