Building wealth in the stock market isn't about timing the market; it's about time in the market. Whether you are investing a portion of your paycheck every month (Systematic Investment Plan) or dropping in a one-time cash windfall (Lump Sum), compound interest is your greatest ally.
Use our interactive SIP & Lump Sum Return Calculator below to estimate the future value of your investments. You can even combine strategies by starting with an initial lump sum, followed by monthly contributions, and factor in a Step-Up percentage to see what happens when you increase your contributions as your salary grows.
Wealth Growth Calculator
Project your returns with regular investments or a lump sum.
Your Projection
*Disclaimer: This calculator provides estimates based on compounding formulas. Actual market returns fluctuate and are never guaranteed.
What is a SIP Return Calculator?
A Systematic Investment Plan (SIP) Return Calculator is a powerful online tool that helps investors estimate the potential growth of their index funds, mutual funds, or stock portfolios. By entering your monthly investment amount, expected rate of return, and timeline, you can quickly visualize how your wealth will compound over the years.
The Magic of the "Step-Up" SIP
Most calculators assume you will invest the exact same amount for 30 years. But in reality, your income grows over time. The Step-Up SIP feature allows you to increase your investment amount annually to match your salary bumps (e.g., increasing your contributions by 5% every year). This simple habit dramatically accelerates your wealth creation and helps you reach your Coast FIRE number much faster.
Lump Sum Investing vs. Monthly SIP
Did you receive a bonus, an inheritance, or sell a property? You can use the Lump Sum Only tab to estimate the future value of a one-time cash injection. Alternatively, you can drop that windfall into the "Initial Lump Sum" field on the Monthly SIP tab to see exactly how your portfolio will grow when you combine a large starting balance with ongoing monthly deposits.
Pro Tip: Combine Strategies
The wealthiest investors use both methods. They invest a lump sum whenever they get a windfall, while maintaining an automated, Step-Up SIP every single month to ensure they never miss a beat in the market. Wondering how fees impact these returns? Run your numbers through our Investment Fee Analyzer.