Switch between a monthly SIP (with annual step-up) and a one-time Lump Sum to project your investment's maturity value.
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A Systematic Investment Plan (SIP) spreads your investment across regular monthly instalments, while a Lump Sum puts the entire amount to work on day one. Both grow through compounding, but the shape of that growth is different: a lump sum benefits from the full principal compounding for the whole period, while a SIP builds up gradually, so each instalment compounds for a shorter time than the one before it.
This calculator adds an annual step-up option to the SIP side, since most people's income — and therefore their savings capacity — rises every year. Instead of keeping the same monthly amount for the entire tenure, a step-up SIP increases the instalment by a fixed percentage each year: this year's SIP = last year's SIP × (1 + step-up%). Even a modest 10% yearly step-up compounds into a meaningfully larger corpus over a long horizon.
Two extra numbers are shown alongside the maturity value. The Wealth Multiplier is Maturity Value ÷ Total Invested — a 3× multiplier means your money tripled. The Effective CAGR backs out the annualised growth rate your money actually experienced, a fairer number to compare across different tenures than the maturity value alone.
Treat the maturity value here as an illustrative estimate rather than a guarantee. Actual mutual fund and market-linked returns fluctuate year to year and are never a flat, constant rate the way this calculator assumes; the figures shown are for planning purposes only and do not constitute investment advice.
Neither wins outright — it depends on how the money becomes available and your risk appetite. Lump sum tends to edge ahead when markets trend upward over the full period, since the entire principal compounds from day one. SIP tends to do better through volatile or falling markets, since it buys more units when prices dip.
It increases your monthly SIP amount by that percentage at the start of every new year, rather than keeping it fixed for the whole tenure. A 10% step-up on a ₹5,000 SIP means you invest ₹5,500/month in year 2, ₹6,050/month in year 3, and so on.
The Wealth Multiplier is Maturity Value ÷ Total Invested, shown as an "×" figure. Effective CAGR converts that same growth into an annualised percentage, which is the fairer number to compare between a SIP and a lump sum since the two involve differently-timed contributions.
No — it projects nominal returns only, at a constant assumed rate. Your actual take-home corpus will also depend on capital gains tax rules and on inflation eroding purchasing power over the years.
Yes — many investors deploy a portion as a lump sum and continue the rest as a monthly SIP. Run each portion through this calculator separately with its own amount and add the two maturity values together for a combined estimate.