Finance / India
Lumpsum Calculator: Estimate in Rupees
Project a one-time investment and compare it with a monthly SIP investing the same total amount.
Lumpsum Calculator: Estimate in Rupees: Grows the full investment from the start using monthly compounding. The comparison spreads the same total investment evenly across the selected months, using your chosen SIP timing. The year-by-year table and chart compare both estimated values before fees and tax. Runs 100% locally in your browser with zero server file uploads.
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- Business & admin tools
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Results are estimates. Rates, payment dates, fees and taxes can change the actual amount.
Both scenarios use monthly growth at the annual rate divided by 12. The comparison SIP invests the same total amount in equal monthly instalments; the one-time investment is fully invested at the start.
Lumpsum value
Years 1 to 10Chart scale: ₹0 to ₹39,60,464.27Bars: Lumpsum value. Dots: SIP value.
| Year | Deposits | Withdrawals | Interest / growth | Lumpsum value | SIP value |
|---|---|---|---|---|---|
| 1 | ₹12,00,000₹12 lakh | ₹0 | ₹1,52,190.04₹1.52 lakh | ₹13,52,190.04₹13.52 lakh | ₹1,26,825.03₹1.27 lakh |
| 2 | ₹0 | ₹0 | ₹1,71,491.54₹1.71 lakh | ₹15,23,681.58₹15.24 lakh | ₹2,69,734.65₹2.7 lakh |
| 3 | ₹0 | ₹0 | ₹1,93,240.96₹1.93 lakh | ₹17,16,922.54₹17.17 lakh | ₹4,30,768.78₹4.31 lakh |
| 4 | ₹0 | ₹0 | ₹2,17,748.75₹2.18 lakh | ₹19,34,671.29₹19.35 lakh | ₹6,12,226.08₹6.12 lakh |
| 5 | ₹0 | ₹0 | ₹2,45,364.75₹2.45 lakh | ₹21,80,036.04₹21.8 lakh | ₹8,16,696.7₹8.17 lakh |
| 6 | ₹0 | ₹0 | ₹2,76,483.14₹2.76 lakh | ₹24,56,519.17₹24.57 lakh | ₹10,47,099.31₹10.47 lakh |
| 7 | ₹0 | ₹0 | ₹3,11,548.12₹3.12 lakh | ₹27,68,067.29₹27.68 lakh | ₹13,06,722.74₹13.07 lakh |
| 8 | ₹0 | ₹0 | ₹3,51,060.22₹3.51 lakh | ₹31,19,127.51₹31.19 lakh | ₹15,99,272.93₹15.99 lakh |
| 9 | ₹0 | ₹0 | ₹3,95,583.44₹3.96 lakh | ₹35,14,710.95₹35.15 lakh | ₹19,28,925.79₹19.29 lakh |
| 10 | ₹0 | ₹0 | ₹4,45,753.32₹4.46 lakh | ₹39,60,464.27₹39.6 lakh | ₹23,00,386.89₹23 lakh |
One-time compounding
OpenStax, Methods of Savings: https://openstax.org/books/contemporary-mathematics/pages/6-6-methods-of-savings
A = P(1+r/12)^(12t), with annual return r in decimal form and duration t in years.
Equal-total comparison
OpenStax, Annuities: https://openstax.org/books/principles-finance-2e/pages/8-2-annuities
The SIP uses the same nominal return and number of months. It spreads the principal into equal monthly deposits, with end-month timing as the default.
How to use it
- Enter amounts and choose the calculation options shown.
- Adjust the rate and duration to match your assumptions.
- Read the estimate, year-by-year chart and table, then download the CSV.
Privacy & limitations
Calculations and CSV exports run in your browser. Your financial inputs are not uploaded.
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Frequently asked questions
Does the SIP comparison invest the same amount?
Yes. Monthly SIP = one-time principal divided by the number of months, so total contributions match.
Why can the one-time investment grow more?
With positive constant returns, more money is invested earlier. Real markets can fall, so this projection is not a recommendation about when to invest.
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