Free SIP Calculator, Lumpsum Calculator & Goal Investment Calculators

🧭 Plan Smarter: SIP, Lumpsum & Goal Calculators in One Place

Why this calculator is better (and how it helps) ✅

Most investment calculators solve just one problem—either SIP or lumpsum. Real life is messier. You might invest monthly, add a bonus as a one-time amount, and aim for a clear goal like a child’s education fund or retirement corpus. This page brings everything together: standard SIP, Step-Up SIP (annual raise), lumpsum with flexible compounding, and a goal-based back-solver that tells you exactly how much to invest monthly. Every output shows: Invested, Returns, Total (Nominal), and Total (After Inflation). You can also export a full schedule to CSV and share a live link of your scenario. No signup. No paywall. 💚

How the math works (in plain English)

SIP uses the future value of an annuity. If you invest ₹P every month for n months at monthly return r, the future value for an end-of-month SIP is P × ((1+r)^n − 1) / r. For start-of-month, we multiply by (1+r) since each installment compounds one extra month. Lumpsum is compound growth: Amount × (1 + R/m)^(m×years), where R is annual rate and m is compounding frequency. The Goal calculator inverts the SIP formula (and when you choose Step-Up SIP, it uses a fast simulation plus a bisection search to solve precisely).

What is Step-Up SIP (and why it matters)?

Step-Up SIP means your monthly contribution rises by a fixed percentage every year—for example, you invest ₹5,000/month in year 1, ₹5,500/month in year 2 (10% higher), and so on. This mirrors how salaries typically increase and keeps your savings pace ahead of lifestyle inflation. Even a modest 10% annual step-up over 10–15 years can dramatically increase your corpus. Our calculator models Step-Up SIP month-by-month for accuracy with start/end-of-month timing.

Why we show “After Inflation” (real value) 📉

A future ₹50 lakh is not the same as ₹50 lakh today. If inflation averages 5% annually, the purchasing power of money halves roughly every 14–15 years. That’s why we show a second number: Total (After Inflation). This converts your future corpus into today’s rupees so goals stay realistic. It’s better to plan for a ₹50 lakh goal that’s worth ₹50 lakh in today’s money than be surprised later.

Example scenarios (illustrative)

1) Standard SIP: Invest ₹5,000/month for 15 years at 12% p.a. If you choose start-of-month SIP, the maturity is slightly higher than end-of-month due to an extra month of compounding each time. Try it quickly via the “✨ Example” button in the SIP tab.

2) Step-Up SIP: Start with ₹5,000/month, 10% step-up yearly, 12% p.a. for 15 years. You’ll notice the invested amount grows faster—but so does the final corpus. This is a powerful strategy for young investors who expect salary increments.

3) Lumpsum + Inflation: Invest ₹1,00,000 today for 10 years at 8% p.a., monthly compounding. Check both the nominal total and the after-inflation value at, say, 5% inflation. The gap between the two numbers is the price of inflation.

4) Goal Back-Solve: Want ₹10 lakh in 10 years at 12%? The Goal tab tells you the monthly SIP needed. Flip the “Step-Up SIP” on and set a % raise to see how much the starting SIP can drop when you allow annual increases.

How to use (step-by-step)

1. Choose a tab: SIP, Lumpsum, or Goal.
2. Enter your numbers (years can be decimals like 7.5). Return % can be 0 if you want a conservative baseline.
3. Optional: set inflation % to see today’s-money value of the future total.
4. SIP/Goal tabs: toggle start-of-month vs end-of-month; add a Step-Up % if you plan annual raises.
5. Click Calculate. Review Invested, Returns, Total (Nominal) and (After Inflation).
6. Export: use Summary CSV or the full Schedule CSV for month-wise/year-wise details.
7. Share: click Copy Shareable Link to send your exact scenario to someone else.

Pro tips & common mistakes

• 📈 Start early: Time in the market usually beats timing the market.
• 🪜 Step-Up small but steady: Even 10%/year makes a big difference over a decade.
• 📉 Inflation is real: Always check the after-inflation number to keep goals realistic.
• 🎯 Round the SIP: In the Goal tab, round to ₹10/₹100 so you’ll actually stick to it.
• ⚖️ Diversify: Returns are market-linked; don’t rely on one fund or category alone.
• 🧾 Taxes & fees: This tool shows gross figures; post-tax returns may be lower.

Who should use this tool?

Beginners planning their first SIP, parents saving for education, professionals planning retirement, or anyone comparing lumpsum vs SIP for a goal. If you already invest, use the Step-Up and inflation options to check whether you’re on track in real terms.

Privacy & data

We don’t store your inputs on our servers. Values are saved locally in your browser for convenience. The “shareable link” stores your numbers in the URL only when you choose to copy it.

Important disclaimer

This is an educational planning tool. Investments are subject to market risks. Returns are hypothetical and do not account for taxes, fund expenses, exit loads or regulatory changes. Please consult a qualified advisor before investing.