Investment Calculator
Project a lump sum, a monthly SIP, or both — and see how much of your final value is market returns versus money invested.
Your numbers
Result
Year-by-year breakdown
| Year | Invested | Returns | Value |
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Whether you invest a lump sum, contribute monthly, or both, this calculator projects how your portfolio could grow — and separates what you put in from what the market generates. The step-up option models raising your monthly investment each year as your income grows.
Lump sum versus regular investing
A lump sum has the most time to compound, so it usually finishes ahead of the same money drip-fed in. But regular investing — sometimes called a SIP — smooths your entry price and is far easier to sustain. Most investors do both: invest what they have, then keep adding.
Questions, answered
What is a SIP?
A systematic investment plan is simply investing a fixed amount at regular intervals, usually monthly. It builds discipline and averages your purchase price over time instead of trying to time the market.
What return should I assume?
Base it on your asset mix. Diversified equity portfolios have historically returned high single digits over long periods before inflation, but no return is guaranteed. Use a conservative figure to avoid over-optimistic projections.
What does the step-up do?
It increases your monthly contribution by a set percentage each year. Because the larger contributions arrive earlier in the remaining horizon, even a modest step-up noticeably lifts the final value.
Are taxes and fees included?
No. Fund fees, transaction costs and taxes reduce real returns. Lower your assumed return slightly to approximate their drag.