How do I calculate SIP returns?

Enter your monthly SIP amount, expected return rate, and duration to calculate estimated returns.

Can I calculate lump sum investment?

Yes, select Lump Sum mode and enter the investment amount and expected growth rate to see future value.

SIP & Lump Sum Calculator | CalcApp.in

SIP & Lump Sum Calculator – Plan Your Investment Returns

Calculate future returns from SIP and lump sum investments. Estimate wealth growth over time based on amount, tenure, and expected return rate.

What is SIP / Lumpsum Calculator?

A SIP (Systematic Investment Plan) Calculator helps investors estimate returns from regular investments made into mutual funds via SIP, as well as lump sum investments by projecting future value based on expected returns and investment tenure.

Investment Type

Monthly SIP Amount (₹)

Lump Sum Amount (₹)

Investment Period (Years)

Expected Annual Return (%)

How Does the Calculator Work?

Users input the monthly SIP amount or lump sum, expected annual rate of return, and investment duration. The calculator applies the formula for future value of a series of investments (for SIP) or a single investment (for lump sum) considering compounding. This assists in estimating how much the investments will grow over time and helps in planning financial goals.

How SIP Calculator Computes Returns

Calculates the total invested amount by summing all monthly contributions over the investment duration.
Applies the future value formula for each instalment, compounding returns until maturity.
Uses methods such as Absolute Return, Annualized Return, and XIRR (Extended Internal Rate of Return) to provide accurate results.

How SIP Calculator Computes CAGR

CAGR (Compound Annual Growth Rate) is computed as ((Ending Value)/(Beginning Value))^(1/n) - 1.
For SIPs, CAGR is computed more accurately using XIRR since multiple instalments are made at different intervals.
The SIP calculator automates XIRR, reflecting the real annualized growth of SIP investments.