SIP, Lumpsum & CAGR DashboardInvestor-grade
Plan your wealth journey across SIP, one-time investments and evaluate past returns with CAGR. All calculations run locally in your browser – nothing is sent to a server.
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✅ India-friendly INR formatting
Tip: Fill SIP and Lumpsum both to see side-by-side comparison below.
SIP Calculator
Monthly investment into mutual funds / equity with assumed annual return.
Final Value
₹50,45,760
At the end of 15 years.
Total Invested
₹18,00,000
180 monthly instalments.
Wealth Gained
₹32,45,760
Pure growth from compounding over time.
Rough split: 36% invested · 64% growth
SIP vs Lumpsum – Wealth Snapshot
Auto-updates as you type.SIP Plan
15 years
Invested: ₹18,00,000
Wealth: ₹50,45,760 (₹32,45,760 gain)
Lumpsum Plan
10 years
Invested: ₹5,00,000
Wealth: ₹14,19,710 (₹9,19,710 gain)
Usually, SIP helps average out volatility, while lumpsum benefits if you invest at attractive valuations. Use these numbers only as rough guidance, not guarantees.
Important Notes
- These are idealized math projections. Real returns will vary based on market behaviour, costs and taxes.
- For mutual funds / equity, use conservative return numbers for long-term planning (e.g. 10–12% instead of 18–20%).
- CAGR is best used to compare past investments, not guaranteed future returns.