Plan your mutual fund investments — calculate SIP returns, lumpsum growth, or systematic withdrawals with interactive sliders.
How much you'll invest every month
₹500₹2,00,000
Yearly return you expect from the fund (e.g. 12% for equity)
1%30%
How long you plan to keep investing
1 yr40 yrs
Increase your SIP amount by this % each year (e.g. as salary grows)
0%50%
—
Total Maturity Value
—
Total Invested
—
Total Returns
—
Wealth Gained
Invested: —
Returns: —
Year-by-Year Breakdown
Year
SIP/mo
Invested (Year)
Total Invested
Returns
Portfolio Value
One-time amount you want to invest
₹1,000₹1 Cr
Yearly return you expect (e.g. 12% for equity, 7% for debt)
1%30%
How long you want to stay invested
1 yr40 yrs
—
Total Maturity Value
—
Total Invested
—
Total Returns
—
Wealth Gained
Invested: —
Returns: —
Year-by-Year Breakdown
Year
Opening Balance
Interest Earned
Closing Balance
Your total corpus or lump sum amount in the fund
₹10,000₹5 Cr
How much you want to take out every month
₹500₹5,00,000
Return the fund earns while you withdraw (e.g. 8% for balanced funds)
1%30%
How many years you plan to withdraw for
1 yr40 yrs
—
Final Balance
—
Total Withdrawn
—
Total Returns Earned
—
Corpus Lasts
Withdrawn: —
Remaining: —
Year-by-Year Breakdown
Year
Opening Balance
Withdrawn
Returns Earned
Closing Balance
How to Use the SIP, Lumpsum & SWP Calculator
SIP Calculator — Invest Monthly
A SIP (Systematic Investment Plan) lets you invest a fixed amount every month in a mutual fund. Enter your monthly investment amount, expected annual return (equity funds typically give 12–15% over the long term), and investment period. You can also add a step-up percentage to automatically increase your SIP each year as your income grows. The calculator shows your total maturity value, returns earned, and a year-by-year breakdown.
SIP Formula: Each monthly installment is compounded using Future Value = P × ((1+r)n – 1) / r × (1+r), where P is your monthly investment, r is the monthly return rate (annual rate ÷ 12), and n is the total number of months.
Lumpsum Calculator — Invest Once
A lumpsum investment means investing a large amount at once — from a bonus, inheritance, or savings. Your entire amount starts compounding from day one. Enter the investment amount, expected annual return, and how many years you plan to stay invested.
Lumpsum Formula: A = P × (1 + r/12)12×t, where P is the invested amount, r is the annual return rate, and t is the period in years. Monthly compounding is used for accuracy.
SWP Calculator — Withdraw Monthly
A SWP (Systematic Withdrawal Plan) is the reverse of SIP — you start with a corpus and withdraw a fixed amount every month. The remaining balance continues to earn returns. This is ideal for retirees or anyone who wants regular passive income. Enter your total corpus, monthly withdrawal amount, expected return, and period. The calculator shows how long your money will last and the final remaining balance.
SWP Calculation: Each month, the remaining balance earns monthly interest, and then the withdrawal is deducted. If withdrawals exceed returns, the corpus gradually depletes. If returns exceed withdrawals, your corpus grows even while you withdraw — the ideal scenario for financial independence.
Frequently Asked Questions
SIP (Systematic Investment Plan) is a method of investing a fixed amount regularly (usually monthly) in mutual funds. A fixed amount is automatically debited from your bank account and invested in your chosen mutual fund scheme. SIP uses rupee cost averaging — you buy more units when prices are low and fewer when prices are high, reducing your average cost over time.
A lumpsum investment is when you invest a large amount of money at once in a mutual fund, as opposed to spreading it over time through SIP. The entire amount starts earning compound returns from day one. It works well when you have surplus cash from a bonus, inheritance, or sale of an asset.
SWP allows you to withdraw a fixed amount from your mutual fund investment at regular intervals (usually monthly) while the remaining corpus continues to earn returns. It is commonly used by retirees for generating regular income, or by anyone who wants passive cash flow from their investments.
A step-up SIP allows you to increase your SIP amount by a fixed percentage every year. For example, a 10% step-up on a ₹5,000 SIP means you invest ₹5,500 in year 2, ₹6,050 in year 3, and so on. This helps match your investments with salary growth and significantly boosts your final corpus.
SIP is better for salaried individuals who want to invest regularly from monthly income. It averages out market volatility through rupee cost averaging. Lumpsum is better when you have a large amount ready and the market valuations are reasonable. Many investors use both — lumpsum for windfalls and SIP for regular savings.
SIP returns are calculated using compound interest. Each monthly installment earns returns from the date it is invested. The formula compounds each contribution monthly: Future Value = P × ((1+r)n – 1) / r × (1+r), where P is the monthly investment, r is the monthly return rate (annual rate ÷ 12), and n is the total number of months.
The lumpsum formula is: A = P × (1 + r/n)n×t, where A is the maturity value, P is the invested amount, r is the annual return rate, n is the compounding frequency (12 for monthly), and t is the period in years. This calculator uses monthly compounding for accurate results.
It depends on three factors: your corpus size, monthly withdrawal amount, and the returns your investment earns. If your withdrawal rate is less than the monthly returns, your corpus can last indefinitely and even grow. If withdrawals exceed returns, the corpus will gradually deplete. Use the SWP tab above to find out exactly.
Most mutual funds in India allow you to start a SIP with as little as ₹500 per month. Some funds even offer SIPs starting at ₹100. The low minimum makes SIP accessible to almost every investor.
SIP investments in mutual funds are market-linked and returns are not guaranteed. However, historically, long-term SIP investments in diversified equity mutual funds have delivered returns that beat inflation. SIP reduces timing risk through rupee cost averaging, but market risks remain. Always invest based on your risk appetite and financial goals.
⚠️ Disclaimer: These calculators provide estimated projections based on assumed constant returns. Actual mutual fund returns are subject to market risks and may vary significantly. Past performance is not indicative of future results. These tools are for educational and informational purposes only — they do not constitute financial advice. Please consult a SEBI-registered financial advisor before making investment decisions.
Understanding SIP (Systematic Investment Plan)
Enter your monthly SIP amount, expected annual return, and investment period in years.
View the total amount invested, estimated returns, and the final corpus.
Try the Step-up SIP option to see how increasing your SIP by a percentage each year dramatically increases your final corpus.
When You Need This
Planning for retirement — see how starting early with even small monthly amounts can grow substantially.
Setting a savings goal (like 1 crore) and working backward to find the monthly SIP needed.
Comparing different investment horizons — the difference between 10 years and 20 years of SIP investing is massive.
Good to Know
The power of SIP is compounding over time. Rs 10,000/month for 30 years at 12% annual returns becomes roughly Rs 3.5 crore — of which only Rs 36 lakh is your actual investment. Starting 5 years earlier can nearly double your final corpus. Step-up SIPs (increasing by 10% yearly) can multiply your returns significantly because your investment grows alongside your income.
