Estimate the future value of a monthly SIP or a one-time lump sum.
Projection based on the fixed return rate you enter. Actual returns vary and are not guaranteed. Amounts are shown in $ with no currency conversion.
Financial goals are usually reached through regular, disciplined investing rather than a single windfall. A SIP (Systematic Investment Plan) lets you invest a fixed amount into mutual funds at regular intervals, typically every month, which spreads your purchases across different market prices and lets returns compound over time.
Our SIP Calculator supports two modes — Monthly SIP and Lump Sum — so you can project the future value of either a recurring monthly investment or a one-time deposit. It's free, works on any device, and requires no sign-up. Results are estimates based on the fixed return rate you enter.
The amount you invest every month. Even a modest amount, invested consistently, benefits from compounding over a long period.
Mutual fund returns are not guaranteed and can be negative. The rate you enter is only an assumption. Try several scenarios (for example 6%, 8%, 10% and 12%) to see a range of outcomes rather than relying on a single number. Higher potential returns generally come with higher risk.
The longer money stays invested, the more of your growth comes from returns earning further returns. Time period has a large effect on the final value in any compounding projection.
Where: FV = Future Value, P = Monthly Investment, i = Monthly Rate (annual rate ÷ 12), n = Number of Monthly Installments (years × 12).
Assumptions used by this calculator: each installment is invested at the start of the month (the final (1 + i) factor reflects this), and the annual rate is divided by 12 to get the monthly rate, so returns compound monthly. This is a nominal annual rate: entering 12% uses 1% per month, which is slightly different from an effective 12% per year. If your installments are made at the end of each month, your result will be a little lower.
Where: P = One-Time Investment, r = Annual Rate of Return (as a decimal, e.g. 12% = 0.12), n = Number of Years.
The lump sum mode compounds once per year, while the SIP mode compounds monthly. Keep this in mind when comparing the two results at the same stated rate.
Calculated with the formula above (start-of-month installments, monthly compounding). Illustration only; 12% is an assumed rate, not a prediction.
| Monthly SIP | 10 Years | 20 Years | 30 Years |
|---|---|---|---|
| $100 | $23,234 | $99,915 | $352,991 |
| $500 | $116,170 | $499,574 | $1,764,957 |
| $1,000 | $232,339 | $999,148 | $3,529,914 |
Calculated with annual compounding. Illustration only; 12% is an assumed rate, not a prediction.
| One-Time Investment | 10 Years | 20 Years | 30 Years |
|---|---|---|---|
| $5,000 | $15,529 | $48,231 | $149,800 |
| $10,000 | $31,058 | $96,463 | $299,599 |
| $25,000 | $77,646 | $241,157 | $748,998 |
| Factor | Monthly SIP | Lump Sum |
|---|---|---|
| Best For | Salaried individuals, regular savers | Investors with a large sum ready (bonus, inheritance) |
| Market Timing Risk | Spread across many entry prices | Depends on a single entry point |
| Discipline Required | Higher — must invest consistently | Lower — one-time decision |
| Money Invested Early | Gradually, month by month | All at once, so it starts compounding immediately |
Which approach gives a better outcome depends on how markets move after you invest, which cannot be known in advance.
Pausing out of panic means you stop buying when prices are lower. Decide in advance how you will react to a fall, and make sure your investment horizon and risk level suit your goals.
A corpus that sounds large today may not have the same purchasing power in 20–30 years. Factor inflation into your goal when you set a target amount.
Keeping your SIP amount flat for decades while your income grows means you invest a shrinking share of your earnings. Reviewing and raising your SIP periodically can help.
This calculator does not deduct fund expense ratios, exit loads, or taxes. These reduce real-world returns, so your actual result will usually be lower than the projection.
Whether you invest a fixed amount every month or commit a lump sum today, the amount, the return rate, and the time period together determine the projected result. Use the calculator above to test different scenarios, including conservative return rates, and find a plan that realistically fits your budget and goals.