Investment Calculators
Project what your investments could grow into — monthly SIPs, one-time lumpsums, yearly step-ups, or planned withdrawals. All projections are estimates, not guarantees; market risk applies.
SIP or lumpsum — which calculator do you need?
The honest answer is that the choice is usually made for you: most people receive income monthly, so a monthly SIP is simply the shape their investing can take. The SIP calculator answers “what does ₹X a month become in N years at an assumed return”; the lumpsum calculator answers the same for money you already have — an inheritance, a bonus, sale proceeds. The mathematical difference matters at long horizons: in a SIP, only your first instalment compounds for the full period, the last one for barely a month, so a SIP’s maturity value is always well below a lumpsum of equal total outlay invested on day one.
Which instrument to put either into depends on when you need the money back — our investing-by-time-horizon guide maps holding periods to asset classes.
The step-up habit
A fixed SIP quietly shrinks in real terms: ₹10,000 a month is a much smaller share of your income after five increments than it was on day one. A step-up SIP raises the instalment by a fixed percentage every year — typically matching your expected salary growth — and because each increase itself compounds for all the remaining years, the effect on the final corpus is far larger than intuition suggests. The step-up SIP calculator puts numbers on your own case, and the step-up vs regular SIP guide works through a full comparison.
Taking money out: SWP
A systematic withdrawal plan is the mirror image of a SIP: a fixed sum redeemed monthly from an existing corpus, commonly used to draw a retirement income from mutual funds. The tension the SWP calculator makes visible is between the withdrawal rate and the assumed return — withdraw faster than the corpus grows and the balance decays toward zero on a schedule you can see year by year. Run it with conservative return assumptions before committing to a withdrawal amount; a plan that only survives on optimistic returns is not a plan.
Judging returns honestly
“My investment doubled” means little without the holding period — doubling in five years is excellent, in fifteen it is mediocre. CAGR converts any absolute gain into an annual growth rate you can compare across investments of different lengths; the CAGR calculator computes it from just the start value, end value and years held.
The second honesty check is inflation: a return that beats the price rise of the things you will actually buy is the only part that made you richer. The inflation calculator shows what a sum today is worth in future rupees, and our guide on inflation and your money explains why this, not the headline return, is the number to plan around. Mutual fund investments are subject to market risk; every projection here is an assumption made visible, not a promise.