What is a Step-Up SIP calculator?

A Step-Up SIP calculator increases your SIP amount by a fixed percentage every year and estimates the future corpus based on your selected return and tenure.

How does step-up lumpsum work here?

In this calculator, step-up lumpsum means you start with a one-time investment and add a yearly top-up amount that can itself increase by a fixed percentage each year.

Does investment timing change the result?

Yes. Investments made at the beginning of the month or year get more time to compound than contributions made at the end of the period, so the final corpus can differ.

What is a SIP calculator?

A SIP calculator estimates the maturity value of a Systematic Investment Plan. You enter the monthly amount, expected return and tenure to see how your corpus grows over time.

What is a Lumpsum calculator?

A Lumpsum calculator shows how a one-time investment grows using compound interest over a chosen period at a given rate of return.

SIP vs Lumpsum — which is better?

SIP is better for salaried investors who invest monthly and benefit from rupee-cost averaging. Lumpsum is better when markets are low and you have a large amount ready to deploy. Use the Compare tab to see both side by side.

Script Tick

SIP & Lumpsum Calculator · Mutual Fund Returns

← Home

SIP & Lumpsum Calculator

Calculate SIP or Lumpsum returns · or compare both side by side

📈

SIP Calculator

💰 Investment

Monthly SIP Amount ₹10,000

📅 Duration & Rate

Investment Period 10 Yrs

Expected Return (% p.a.) 12%

Step-Up Options

Annual Step-Up (%) 10%

Invest

Choose SIP, Lumpsum or Compare
fill in the details and hit Calculate

About This Calculator

This page helps estimate regular SIPs, annual step-up SIPs, one-time lumpsum investments, and yearly top-ups. You can choose whether the contribution is made at the beginning or end of the period, then calculate the projected corpus only after clicking the action button.