SIP Calculator

A SIP (Systematic Investment Plan) compounds each monthly instalment at your expected return rate for however many months remain until your goal, so early instalments have more time to grow than later ones — this is why the future value formula weights each contribution by its own compounding period rather than treating the total as a single lump sum.

Lumpsum mode instead compounds one upfront amount for the full period using standard compound interest. SIPs suit steady income and reduce the risk of investing everything at a market peak, while a lumpsum can outperform if invested right before a sustained rally — timing is the trade-off.