Investment & SIP Calculator
Project the future value of a lump-sum investment plus recurring (SIP) contributions at an expected rate of return.
Your investment
Lump sum vs. regular investing
This calculator combines a one-off lump sum with a systematic investment plan (SIP) — regular contributions at a fixed interval. Both grow at your expected annual return, compounded over the investment period. SIPs spread your entry points over time, which can smooth out the effect of market ups and downs, while a lump sum puts more money to work earlier. Returns are assumptions, not guarantees.
Frequently asked questions
Is the return guaranteed?
No. Investment returns vary and can be negative. Treat the projection as one scenario and try a range of rates.
What is a realistic return?
It depends entirely on what you invest in and over what period. Diversified long-term portfolios have historically returned mid-to-high single digits, but this is not a promise of future performance.