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SIP And Lumpsum Calculator

SIP And Lumpsum Calculator is for a habit, not a lump sum: a fixed amount every month, an annual return you are willing to assume, and a number of years. The future value is P × (((1 + r)^n − 1) ÷ r) × (1 + r), with r as the monthly rate. A ₹5,000 SIP at 12% a year for 10 years grows to ₹11,61,695.38 on this formula. That rate is a guess you type, not a fund’s promise.

SIP And Lumpsum Calculator is for a habit, not a lump sum: a fixed amount every month, an annual return you are willing to assume, and a number of years. The future value is P × (((1 + r)^n − 1) ÷ r) × (1 + r), with r as the monthly rate. A ₹5,000 SIP at 12% a year for 10 years grows to ₹11,61,695.38 on this formula. That rate is a guess you type, not a fund’s promise.

Reviewed 2026-11-08. The result is an educational estimate, not professional advice.

Enter your values

This calculation stays in your browser. Nothing is sent when you press Calculate.

Result

Enter values to calculate.

Formula

FV = P × [((1+r)^n - 1) / r] × (1+r)

Example

₹5,000 monthly SIP at 12% for 10 years can grow to around ₹11.6L.

Illustration for the SIP Calculator used by CalculatorX.
Illustration only. Use the formula and the result box for the number.

How to use SIP And Lumpsum Calculator

Put the monthly amount, the expected yearly percent, and the years. The page turns years into months. The gap between the future value and the cash you paid in is growth only if the rate you chose actually happens.

The formula that actually runs is: FV = P × [((1+r)^n - 1) / r] × (1+r)

₹5,000 monthly SIP at 12% for 10 years can grow to around ₹11.6L.

Where this estimate stops

Markets can return less, and can lose money. Expense ratios and the day the SIP runs are outside this form.

The calculation stays in your browser. CalculatorX does not save the numbers as an account.

If you need a different figure, look at SIP Calculator, SIP Calculator, Mutual Fund Calculator, Step Up SIP Calculator.

How to use this calculator

  1. Start with the numbers you already have. Put the monthly amount, the expected yearly percent, and the years. The page turns years into months. The gap between the future value and the cash you paid in is growth only if the rate you chose actually happens.
  2. Press Calculate. The result uses only the fields on this form and the formula printed under it.
  3. Read the limit. Markets can return less, and can lose money. Expense ratios and the day the SIP runs are outside this form.

Questions about SIP And Lumpsum Calculator

How does SIP And Lumpsum Calculator get its result?

Put the monthly amount, the expected yearly percent, and the years. The page turns years into months. The gap between the future value and the cash you paid in is growth only if the rate you chose actually happens.

What formula is on the sip and lumpsum calculator page?

FV = P × [((1+r)^n - 1) / r] × (1+r)

Can I trust “sip and lumpsum calculator” as a final decision?

Markets can return less, and can lose money. Expense ratios and the day the SIP runs are outside this form.

Is this stored or sent anywhere?

No. The page calculates in your browser and does not create an account.

What this helps you do

  • Estimate SIP And Lumpsum from the inputs you already have.
  • Check the result against the formula and the worked example.
  • Change one value at a time and compare the new estimate.

Limits to keep in mind

  • The figure is only as complete as the inputs on this form.
  • Rounding, fees, and local rules can change the real-world number.
  • Use it to learn and compare. Confirm important finance or health decisions with a qualified professional.