INVESTMENT CALCULATOR

SIP & Lumpsum
Investment Calculator

Accurately calculate potential returns from SIP or lump sum investments based on your preferred time horizon and contribution amount.

Plan your investments with inflation-adjusted projections to better understand real returns and preserve purchasing power over time.

Access a detailed, year-by-year breakdown of your investment growth, including contributions, interest earned, and total value.

Investment Details

Select investment type
SIP (Monthly Investment)
Lumpsum (One-time Investment)
₹10,000
12%
10 years
No Yes

Investment Summary

SIP | 10 years | 12% return

₹23,23,391
Total Invested ₹12,00,000
Estimated Returns ₹11,23,391
Inflation Adjusted Value ₹12,34,567
Maturity Amount ₹23,23,391
Total Value ₹23,23,391
Invested 52%
Returns 48%

Growth Projection

Summary
Yearly Growth
Investment Type SIP (Monthly)
Monthly/One-time Investment ₹10,000
Investment Period 10 years
Expected Return Rate 12% p.a.
Year Invested Returns Total Value

Investment Suggestions

Strategic Insights into SIP

Essentials of SIP structure, benefits, and return calculations.

What is SIP?

  • SIP stands for Systematic Investment Plan – a method of investing in mutual funds through regular, small installments.
  • It allows investors to invest a fixed amount periodically (monthly/quarterly) instead of a lump sum.
  • Ideal for building wealth gradually with financial discipline.

Types of SIPs

  • Regular SIP: Fixed amount invested on a regular basis.
  • Top-Up SIP: Allows increasing your SIP amount periodically.
  • Flexible SIP: Adjust your investment based on your cash flow.
  • Perpetual SIP: No end date; continues until cancelled.

SIP Calculation

  • SIP returns depend on investment amount, frequency, expected annual return, and duration.
  • The formula used is: A = P × ({[(1 + r)^n – 1] / r}) × (1 + r), where A = amount, P = SIP amount, r = interest rate/12, n = number of months.
  • Online SIP calculators help investors estimate future corpus easily.

Who Can Start a SIP?

  • Anyone with a valid PAN, bank account, and KYC compliance.
  • Suitable for working professionals, homemakers, students, and business owners.
  • Ideal for both new and experienced investors seeking long-term financial growth.

Why Opt for SIP?

  • Encourages disciplined savings and long-term wealth creation.
  • Rupee cost averaging reduces risk of market volatility.
  • Compounding effect leads to significant returns over time.
  • Low entry barrier – start with as low as ₹500/month.

Factors Affecting SIP Returns

  • Investment Duration: Longer durations yield higher returns due to compounding.
  • Fund Performance: Depends on the underlying assets and market behavior.
  • Contribution Amount: Higher investments increase potential returns.
  • Market Volatility: Affects short-term value but averages out long term.

Track Your SIPs Efficiently

  • Monitor fund performance and switch if needed.
  • Review SIP regularly based on financial goals.
  • Use tracking tools and dashboards to stay updated on progress.

Plan Your SIPs Smartly with TMZON

  • Use our SIP calculator to estimate returns before investing.
  • Get help in selecting the right mutual fund schemes.
  • Track your investments, receive alerts, and optimize your portfolio.

Some common questions
were often asked

What is a SIP and how is it calculated?

SIP (Systematic Investment Plan) is a method to invest regularly in mutual funds. Returns are calculated based on amount, tenure, and expected rate of return using compound interest formulas.

Can I change or stop my SIP anytime?

Yes, SIPs are flexible. You can pause, increase, decrease, or cancel your SIP anytime via your investment platform without penalties.

What happens if I miss a SIP payment?

Missing a SIP payment may lead to a missed installment, but it won’t impact your credit score. Regularly missing SIPs could affect your investment goals and returns.

Are SIPs better than lump sum investments?

SIPs reduce market timing risk and build wealth over time. Lump sum may give higher returns if market entry is well-timed, but SIPs offer consistent investment habit and risk control.

Can SIPs be done for short-term goals?

Yes, SIPs can be planned even for short-term goals (1–3 years) using low-risk debt or hybrid funds, though they are best suited for long-term wealth creation.

How does SIP affect financial discipline?

SIPs inculcate the habit of regular saving and investing, helping you prioritize future financial goals and avoid impulsive spending.