Investment Calculator for SIP & Lumpsum (Step-Up + ₹5 Crore Goal)

Estimate the future value of your investments. Choose between SIP with annual step ups or a one-time lumpsum investment.

Results

Lumpsum Investment ₹ 0
SIP Investment ₹ 0
Lumpsum Returns ₹ 0
SIP Returns ₹ 0
Total Investment ₹ 0
Total Returns ₹ 0
Total Corpus ₹ 0
Total
Invested Returns
For illustration only. Actual returns vary by market.

Capital Growth Over Time

Lumpsum Investment Monthly SIP

Total Corpus Over Time

Total Corpus

Investment Growth Details

Years Date Money Invested Lumpsum Growth SIP Growth Total Corpus

How to Reach ₹5 Crore With SIP (and Lumpsum) in India

Use this page as a goal-seek tool: set your SIP amount, expected CAGR and optional annual step-up, then increase the Investing Time Period until your Total Corpus crosses ₹5 crore.

  • ₹20,000/month SIP @ 12% CAGR: ~₹5 crore in ~32 years (illustrative)
  • ₹40,000/month SIP @ 12% CAGR: ~₹5 crore in ~27 years (illustrative)
  • ₹50,000/month SIP + 5% step-up @ 12% CAGR: ~₹5 crore in ~22 years (illustrative)

Illustrations only. Actual market returns vary.

What This Investment Calculator Does

This calculator answers one simple but critical question:

“If I invest this much today and every month, how much will my money grow over time?”

Using your inputs, it calculates:

  • Total amount invested (lumpsum + SIP)
  • Growth of lumpsum investment over time
  • Growth of SIP investments with annual step-up
  • Total returns earned through compounding
  • Final investment corpus at the end of the period

All results are shown instantly, along with year-wise breakdown tables and visual charts to make decision-making easier.

How the Investment Calculator Works

This calculator uses standard compound interest and SIP future value formulas, applied month-by-month for accuracy.

  1. Lumpsum Investment Growth: Your one-time investment grows annually at the expected rate of return (CAGR) over the selected time period.
    Formula used: Future Value = Principal × (1 + Rate) ^ Time
  2. SIP Investment with Annual Step-Up: Monthly SIP investments are compounded monthly. If you choose an annual step-up, the SIP amount increases every year by the selected percentage, simulating salary growth or income increase. Each SIP installment compounds for the remaining investment duration, giving a realistic estimate of long-term returns.
  3. Combined Investment Corpus: The calculator then combines lumpsum and SIP investment values to give you the total corpus, along with total invested amount and total wealth created through returns.

Why Use This Investment Calculator

This calculator is useful if you want to:

  • Compare SIP vs lumpsum investing
  • Understand the impact of annual SIP step-ups
  • See how long-term compounding works visually
  • Estimate future wealth for goals like retirement, house purchase, or financial independence
  • Make informed investment decisions without relying on guesswork

Unlike basic calculators, this tool allows both SIP and lumpsum together, which reflects how most real investors invest.

Key Assumptions Used

To keep calculations transparent, this investment calculator assumes:

  • Returns are compounded at a constant annual rate (CAGR)
  • SIP investments are made monthly
  • SIP step-up is applied once every year
  • No taxes, exit loads, or fund expenses are deducted
  • Returns shown are illustrative, not guaranteed

Actual market returns may vary due to volatility and fund performance.

Understanding the Charts and Tables

Capital Growth Charts: Shows how your lumpsum and SIP investments grow separately. Helps visualize the compounding effect over time.

Total Corpus Chart: Displays combined wealth creation year by year.

Investment Growth Table: Year-wise view of money invested, lumpsum growth, SIP growth, and total corpus. This level of detail helps you understand when compounding accelerates and how staying invested longer impacts returns.

Who Should Use This Calculator

  • Beginners starting SIP investments
  • Investors planning long-term wealth creation
  • Salaried professionals using SIP step-ups
  • Anyone comparing investment scenarios
  • Financial planners and advisors for quick simulations

Frequently Asked Questions

Is this investment calculator accurate?
The calculator uses standard financial formulas and provides reasonably accurate projections based on your inputs. However, real market returns may differ.

Can I use this for mutual fund SIP planning?
Yes. This calculator is ideal for mutual fund SIP and lumpsum planning.

Does this include tax calculations?
No. Taxes are not included. You should consider capital gains tax separately while planning investments.

Can I rely on this calculator for financial advice?
This tool is for educational and planning purposes only. It does not replace professional financial advice.

Final Note

Consistent investing, disciplined SIPs, and long-term compounding are the foundation of wealth creation. This investment calculator helps you visualize that journey clearly so you can make better financial decisions with confidence.

Related Calculators