📈 Advanced Investment Return Calculator (SIP + Lump Sum)
📊 Investment Projection
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Enter details and click Calculate.
Total Invested: —
Total Returns Earned: —
Final Value: —
📗 How to Use the Advanced Investment Return Calculator (SIP + Lump Sum)
- Enter Lump Sum Investment: Add the one-time amount you plan to invest initially.
- Enter Monthly SIP Amount: Input your monthly recurring investment.
- Annual Return (%): Add your expected yearly return (e.g., 10–12%).
- Choose Investment Duration: Enter the number of years you plan to invest.
- Click “Calculate”: The tool computes total future value using both SIP + lump sum.
- Review the Dashboard: See total invested, total returns, and final value.
- Click “Reset”: Start fresh with new values anytime.
💡 Tip: Try different return rates (8%, 12%, 15%) to see how compounding affects your wealth.
The Advanced Investment Return Calculator helps estimate your future wealth based on:
- 📌 A one-time lump sum investment
- 📌 Monthly SIP (Systematic Investment Plan)
- 📌 Expected market return rate
- 📌 Total investment duration
It combines both lump sum + SIP growth to give a complete future value projection.
- 📈 Calculates future value using compound interest.
- 🧮 Uses different formulas for:
- ⭐ Lump Sum FV (Future Value)
- ⭐ Monthly SIP FV
- 📊 Combines both values for a final corpus.
- 💹 Compounds monthly for more accuracy.
- 📘 Shows:
- Total invested
- Total returns gained
- Final accumulated amount
Formulas Used:
- 🔹 Lump Sum FV = P × (1 + r)n
- 🔹 SIP FV = SIP × [ (1 + r)n – 1 ] / r
Where:
• P = Lump sum amount
• r = Monthly return rate
• n = Total months
| Metric | Meaning | How to Use It |
|---|---|---|
| Total Invested | Sum of SIP + Lump Sum invested. | Compare investment vs final returns. |
| Total Returns | Profit earned over the duration. | Shows compounding power. |
| Final Value | Accumulated wealth at end. | Use for financial planning goals. |
💬 Bigger duration ➝ bigger returns due to compounding power.
- 📅 Start early to maximize compounding.
- 💰 Increase SIP yearly (step-up SIP).
- 📊 Diversify into equity, debt, index funds.
- 🛡️ Keep an emergency fund separate.
- 📈 Review investments yearly.
- 🧮 Recalculate regularly with updated estimates.
💡 Consistent SIP + long-term investing creates massive wealth.
- ❓ What return rate should I use?
10–12% is typical for equity SIPs. - ⚙️ Why is my return low?
Lower duration or lower return % reduces compounding. - 💬 Is monthly compounding accurate?
Yes — most SIP tools use monthly compounding. - 📈 Is SIP better than lump sum?
SIP reduces risk; lump sum grows faster if market rises. - 🔒 Is my data saved?
No — all inputs stay in your browser.
For more help, visit our Support Page.
💡 Combine these tools for complete financial planning.