SIP Calculator

A SIP involves investing a fixed amount regularly over time, which helps in averaging out the purchase cost. A lump sum investment is a one-time, large investment. SIPs are generally considered less risky and are ideal for salaried individuals, while lump sum investments require good market timing.

This calculator uses the standard future value of an annuity formula to project the potential returns. It assumes that your investments are compounded monthly. Please note that the "Expected Return Rate" is an assumption, and actual market returns can vary. This tool is for illustrative purposes only.

While a higher return rate leads to more wealth, it usually comes with higher risk. It's important to choose investments that match your risk tolerance. Diversifying your investments across different asset classes is a common strategy to balance risk and reward.

Close, but rarely identical. Lenders apply their own rounding, fees, insurance and day-count conventions, so treat the result as a well-informed estimate rather than a quote.

No. The arithmetic runs in your browser, so the amounts you type are never sent to us or stored anywhere.

No. It is a calculator for exploring scenarios. Decisions about loans, tax or investments warrant a qualified adviser who knows your full position.