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Investment Calculators

SIP, lumpsum, SWP, goal planning, ELSS

Starting a SIP, planning a lumpsum bonus investment, working out how long your retirement corpus will last, or figuring out exactly how much to invest monthly to hit a ₹1 crore goal — these calculators model mutual fund and market-linked investments the way Indian investors actually use them.

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SIP Growth

Monthly investment compounding

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Step-Up SIP

Increase contributions yearly

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Lumpsum

One-time investment growth

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SWP Payouts

Inflation-adjusted withdrawals

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Goal Planning

Invest backwards from a target

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ELSS Tax Saving

80C benefit, 3-year lock-in

All Investment Calculators

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SIP Calculator

Project mutual fund SIP returns with monthly contributions and expected growth rate.

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Step-Up SIP Calculator

SIP returns when you increase your contribution every year, matching salary growth.

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Lumpsum Calculator

One-time mutual fund investment growth over your chosen time horizon.

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Mutual Fund Calculator

General-purpose mutual fund return calculator for SIP or lumpsum modes.

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SWP Calculator

Systematic withdrawal plan payouts and how long a fixed corpus will last.

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SWP with Inflation

Withdrawal plan payouts adjusted for inflation, and how long your corpus lasts.

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Goal Planning Calculator

How much to invest monthly to hit a specific financial goal by a target date.

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ELSS Calculator

Tax-saving mutual fund returns and 80C savings — just a 3-year lock-in.

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XIRR Calculator

Annualized return for investments with irregular cash flows and dates.

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LIC XIRR Calculator

True annualized return on LIC policies, including bonuses and maturity value.

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CAGR & XIRR Calculator

Compare compound annual growth rate against annualized XIRR for the same investment.

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Inflation-Adjusted Returns

What your investment returns are really worth after inflation.

Just got a bonus or raise?

Decide between a one-time lumpsum investment or starting a fresh SIP with the extra amount. If you already have a SIP running, model a step-up instead — increasing your monthly investment each year in line with your salary growth compounds significantly faster than staying flat.

Try Lumpsum Calculator →Step-Up SIP Calculator

How Mutual Fund Investing Works in India

Mutual funds pool money from many investors to buy a diversified basket of stocks, bonds, or both, managed by a professional fund manager. A Systematic Investment Plan (SIP) lets you invest a fixed amount every month, automatically buying more units when prices are low and fewer when prices are high — a disciplined approach known as rupee cost averaging. A lumpsum investment, by contrast, deploys the full amount at once and is more sensitive to market timing.

Once you're closer to a goal — retirement, a child's education, or a large purchase — a Systematic Withdrawal Plan (SWP) lets you draw a fixed or inflation-linked amount from your corpus each month while the rest stays invested. Capital gains on equity mutual funds held over a year are taxed at 12.5% (above a ₹1.25 lakh annual exemption); funds held under a year are taxed at 20%. ELSS is the only mutual fund category that also qualifies for an 80C deduction, in exchange for a mandatory 3-year lock-in.

Frequently Asked Questions

SIP or lumpsum — which is better?

SIP works well when you're investing from regular income and want to average out market volatility (rupee cost averaging). Lumpsum makes sense when you have a windfall — like a bonus — and markets aren't at a clear high. Most salaried investors are better off with SIPs simply because that's how their income arrives.

What return rate should I assume for equity mutual funds?

Indian equity mutual funds have historically returned 10-14% annualized over long periods (10+ years), though any single year can vary widely. For planning purposes, 10-12% is a reasonably conservative assumption; anything above 14% risks overestimating your future corpus.

Is SIP investment tax-free?

No — SIP returns are taxed as capital gains when you redeem, based on how long each installment was held. Only ELSS funds offer an 80C deduction on the amount invested (up to ₹1.5 lakh/year), with a mandatory 3-year lock-in per installment.

How is XIRR different from CAGR?

CAGR assumes a single lumpsum investment held for a fixed period. XIRR handles irregular, multiple cash flows on different dates — exactly what a SIP or an LIC policy with variable premiums looks like — making it the more accurate measure for real-world investing.