Plan your money's growth, not just its spending.
SIP, lumpsum, step-up SIP, SWP and CAGR calculators built for Indian investors — set your numbers, drag a slider, and watch the projection update instantly. No spreadsheets, no signup.
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Why plan before you invest?
Compounding rewards patience, but it's hard to feel that in the abstract. Seeing your own numbers — your own SIP amount, your own timeline — projected forward makes the case for starting early far more concrete than any average-return statistic can.
It also works as a reality check in the other direction: if a goal needs a SIP larger than you can sustain, better to find that out on a calculator page than five years into a plan you can't keep funding.
How to use these tools well
Run each calculator at more than one return assumption — say 8%, 10% and 12% — and look at the spread of outcomes rather than anchoring on a single number. If you have an existing corpus plus a monthly SIP plus the odd bonus you plan to invest, the combined SIP + Lumpsum calculator models all three together instead of forcing you to add up separate tools by hand.
Frequently asked questions
What's the difference between a SIP and a lumpsum investment?+
A SIP (Systematic Investment Plan) spreads your investment across fixed monthly instalments, which averages out your purchase price over time and suits investing from regular income. A lumpsum is a single, one-time investment — better suited to money you already have on hand, like a bonus or maturity payout. Many investors use both: a lumpsum to start, and a SIP to keep building.
How accurate are these projections?+
They're mathematically accurate for the assumptions you enter, compounding monthly at a constant rate of return. Real markets don't move in a straight line — actual returns will be higher in some years and lower (even negative) in others. Treat every number here as a planning estimate, not a guarantee.
What return rate should I use?+
That depends on what you're invested in. Equity mutual funds have historically returned somewhere in the 10–14% range annually over long periods in India, though any specific fund or period can vary widely. Debt funds and fixed deposits tend to track closer to 6–8%. We don't recommend a single number — try a range and see how sensitive your outcome is to it.
Is my data saved anywhere?+
No. Every calculator on this site runs entirely in your browser — nothing you type is sent to a server or stored. Refreshing the page resets it to the defaults.
Do you offer investment advice?+
No. Paisa Calculator is a set of planning tools, not a registered investment adviser. Please talk to a SEBI-registered financial adviser before making investment decisions.