What is SIP, Lumpsum & FD Calculator?
This calculator covers the three most common ways of growing money over time. SIP works out what a fixed monthly investment in a mutual fund could grow to at an assumed annual return. Lumpsum applies compound interest to a single one-time investment. FD estimates the maturity value of a fixed deposit, including the quarterly compounding most Indian banks use. Each mode shows how much you put in, how much you earned, and the final value.
How to Use
Pick SIP, Lumpsum, or FD depending on how you are investing.
Enter the amount, the expected annual rate, and the time period in years or months.
For lumpsum and FD, choose how often interest compounds to see the maturity value update instantly.
Why Use This Tool?
Seeing the invested amount and the returns side by side makes the effect of compounding obvious in a way a single maturity figure does not. This calculator uses the standard SIP future-value formula with investments made at the start of each month, and applies simple interest to fixed deposits held under six months, the way banks actually do. It runs in your browser with no sign-up and no ads.
FAQ
The future value of a SIP is M = P × ([(1 + i)^n − 1] ÷ i) × (1 + i), where P is the monthly instalment, i is the annual rate divided by 12, and n is the number of months. The final (1 + i) term accounts for each instalment being invested at the start of the month.
No. SIP and lumpsum figures are estimates based on the fixed annual rate you enter. Actual mutual fund returns vary from year to year and can be negative. FD rates, by contrast, are contractually fixed by the bank.
The more often interest compounds, the more you earn on interest already credited. ₹1,00,000 at 8% for 5 years grows to about ₹1,46,933 compounded yearly and about ₹1,48,595 compounded quarterly.
Indian banks pay simple interest on deposits held for less than six months, since no compounding period completes. The calculator switches to simple interest automatically for tenures under six months.
No. The figures are gross returns. Actual proceeds will be lower after capital gains tax, TDS on FD interest, or a fund's expense ratio.