Investment Planning

SIP & Investment Planner

See how a regular SIP or one-time lump sum grows over any time horizon - with return rates drawn from real Indian market category averages across 10+ years.

Wealth is not built by finding the perfect investment. It is built by staying invested long enough for compounding to do its work. This calculator shows the projected future value of any SIP or lump sum across different asset classes and time horizons - so you can see what discipline and patience actually produce in numbers.

The Power of Compounding
At 13% per year, ₹10,000/month for 20 years grows to approximately ₹1.33 crore - against a total investment of just ₹24 lakh. The extra ₹1.09 crore is entirely compounding at work. The longer the horizon, the more dramatic the gap between what you put in and what you get out.
SIP vs Lump Sum
SIP spreads purchases over time, automatically buying more units when prices fall - this is rupee cost averaging. A lump sum puts your full capital to work immediately, which can be better when markets are depressed. Both approaches work equally well over long horizons; the key is consistency and time in market.
Choosing the Right Asset Class
Higher expected returns come with higher volatility and longer required horizons. Small cap funds may average 15-24% over 10 years but can drop 40-50% in a downturn. Debt funds are stable but return 6-8%. Your time horizon and risk tolerance determine the right blend. This planner helps you compare all options side by side.
How to use this calculator: Choose SIP or Lump Sum mode, select your asset class, pick a return scenario, then enter your amount and period. The effective rate box shows exactly how the annual return is converted to a per-period rate using the formula i = (1+r)^(1/n) - 1.
Investment Mode
Asset Class return ranges based on 10-yr category averages
Return Scenario

SIP Details

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Select your asset class, choose a return scenario, enter your amount and period - then click Calculate Future Value.

Time in market beats timing the market

A SIP that runs uninterrupted for 20 years generates far more than two 10-year SIPs with a pause in between - because the paused corpus never compounds on its compounded gains. Consistency is not a soft virtue; it is the mechanism through which ordinary monthly amounts become extraordinary wealth.

Return scenarios explained

Conservative uses the lower bound of 10-year category averages. Moderate uses the mid-point. Optimistic uses the upper bound. All three are historical data ranges, not guarantees. Any asset class can deliver below conservative or above optimistic in any given period.

SIP vs Lump Sum - when to use each

Use SIP when you have regular income and want to invest systematically without timing the market. Use Lump Sum for a one-time windfall - bonus, inheritance, or a matured FD. Both approaches compound equally over long horizons; the key is staying invested.

The Money Mindshift

Know the Numbers. Now Build the Plan.

A projection tells you where you could go. A coaching session helps you build the discipline, asset allocation, and behavioural edge to actually get there. Explore your investment strategy with a CFP-qualified coach.

Book a Coaching Session View Returns Reference