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Estimate your future wealth through SIP or one-time investments. Compare returns, step-up growth, and inflation-adjusted value instantly.
⚠️ Calculations are approximate and for illustration purposes only.
Explore how regular SIPs, one-time investments, step-up strategies, and inflation impact your long-term wealth creation.
SIP invests small amounts periodically — ideal for salaried investors. Lumpsum grows faster from day one — perfect for one-time investments. Use both strategically to balance returns and stability.
Invest monthly for consistent growth and rupee cost averaging. Regular monthly contributions smooth out market volatility and build strong compounding habits.
Enable annual step-ups (e.g. +10%) to increase your SIP with your income. Even small increases can lead to a significantly higher future corpus over time.
Inflation reduces purchasing power. This feature recalculates your future value in today's terms so you know the real worth of your investments.
Instantly visualize your journey with donut charts (Invested vs Returns) and growth charts (year-by-year corpus growth). Understand how compounding builds wealth.
Stay consistent, avoid market timing, and review your SIP yearly. Compounding rewards patience — let time and discipline grow your wealth.
A Systematic Investment Plan (SIP) allows you to invest a fixed amount regularly in mutual funds — typically monthly or yearly. Each contribution buys mutual fund units at the current market price, helping you average your cost over time. Through the power of compounding and consistent investing, SIPs help you build wealth steadily for long-term goals.
A Step-Up SIP automatically increases your SIP contribution by a fixed percentage every year (e.g., +10%). This aligns your investments with your income growth and inflation, helping you accumulate a larger corpus without feeling a big impact on your monthly budget.
Inflation reduces the purchasing power of money over time. Enabling the Inflation Adjustment option recalculates your future value in today’s terms — giving a more realistic idea of what your final corpus will be worth after accounting for inflation.
Missing one or two SIP installments usually doesn’t cancel your investment plan. The SIP continues with future contributions. You can pause or stop SIPs anytime, but frequent interruptions may reduce your long-term returns and compounding benefits.
SIP returns are market-linked and not guaranteed. Actual returns depend on the performance of the mutual fund scheme you invest in. Equity SIPs are taxed under capital gains rules, while ELSS funds also provide tax deductions under Section 80C of the Income Tax Act.
Use realistic expectations — typically 10–15% for equity funds and 6–8% for debt-oriented funds. Conservative estimates ensure your financial goals remain achievable even during market fluctuations.
Both have their advantages. SIP is ideal for salaried investors who prefer disciplined, periodic investments that minimize market timing risk. Lumpsum works better when you have a large amount to invest at once and can stay invested long-term. You can use this calculator to compare both and decide which suits your financial goals best.
The Fundulator SIP Calculator instantly shows how your investments grow, helps you visualize compounding, and allows you to compare SIP, Step-Up SIP, and Lumpsum results — helping you make data-driven financial decisions.
All results are illustrative and approximate. Actual performance will vary based on market conditions, fund performance, and inflation. Always consult a financial advisor before making investment decisions.