SIP & Lumpsum Investment Calculator

How to Use the SIP & Lumpsum Investment Calculator – A Step-by-Step Guide

Are you planning to invest in mutual funds or looking to estimate the future value of your investments? Our SIP and lump-sum investment Calculator helps you make informed financial decisions by accurately projecting your returns. Whether you’re investing through SIPs, a one-time lump sum, or a mix of both (Hybrid), this tool simplifies complex calculations into easy-to-understand results.

This calculator is not only user-friendly but also optimized for accuracy, clarity, and flexibility with multiple currency options. Here’s how to use it step by step.

🔹 Step 1: Choose Your Investment Type

The calculator offers three investment modes:

1. Lumpsum
2. SIP (Systematic Investment Plan)
3. Hybrid (Lumpsum + SIP)

Click on the respective tab at the top of the calculator to select your preferred investment type.

• Lump sum: Ideal for those who want to invest a single amount once.
• SIP: Ideal for investors who contribute fixed amounts monthly.
• Hybrid: For users who combine an initial lump sum with regular monthly contributions.

Each mode updates the input fields accordingly.

🔹 Step 2: Select Your Currency

Before entering any values, choose your preferred currency from the dropdown menu. Available currencies include:

• ₹ INR (Indian Rupees)
• $ USD (US Dollars)
• € EUR (Euros)
• £ GBP (British Pounds)

This ensures all your results are displayed in your chosen denomination.

🔹 Step 3: Enter Investment Details

Depending on the selected tab, fill in the required details:

✅ For Lumpsum:

• Lump Sum Amount: The one-time investment amount.
• Investment Period (Years): Duration of your investment in years.
• Annual Rate of Return (%)  Expected yearly growth rate (e.g., 12%).

✅ For SIP:

• Monthly Investment: A fixed amount is invested every month.
• Investment Period (Years): Duration of the SIP.
• Annual Rate of Return (%): Expected yearly growth rate (e.g., 12%).

✅ For Hybrid:

• Initial Lumpsum: One-time upfront investment.
• Monthly SIP: Regular monthly contribution.
• Investment Period (Years): Duration of your investment in years.
• Annual Rate of Return (%): Expected yearly growth rate (e.g., 12%).

💡 Tip: If you’re unsure about the rate of return, consider using historical averages (e.g., 10–12% for equity funds).

🔹 Step 4: Click “Calculate”

Once you’ve filled in all the necessary details, click the “Calculate” button. The calculator will instantly show:

• Total Value: The final corpus you’ll accumulate.
• Principal: Total amount invested over time.
• Interest: Gains earned due to compounding.

A doughnut chart visually breaks down your principal vs. interest earnings for better understanding.

🔹 Step 5: Reset or Export Results

• Reset: To clear all inputs and start fresh, click the “Reset” button.
• Export to PDF: Want to save or share your results? Click the “📄 Export to PDF” button to generate a downloadable PDF report with your results and the chart.