Monthly investment vs lumpsum, projected forward
Estimates only. Returns are not guaranteed and depend on the actual performance of your investments.
A SIP (Systematic Investment Plan) lets you invest a fixed amount every month. This calculator estimates the maturity value of those instalments — or of a one-time lumpsum — using the expected annual return and the time period you choose. Drag the sliders or type a value to see the split between what you invest and the returns you could earn.
Where the variables mean:
| FV | Future value (maturity amount) |
| P | Amount invested each month |
| i | Monthly rate of return (annual rate ÷ 12 ÷ 100) |
| n | Total number of monthly instalments (years × 12) |
For a lumpsum investment the maturity value is FV = P × (1 + r)ⁿ, where r is the annual rate and n is the number of years.