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SIP + Lumpsum Calculator
An upfront amount plus a monthly SIP — see them grow together.

Your Investment

Drag the sliders — results update instantly.

Upfront AmountA single amount you invest once, at the start
₹1,000₹1,00,00,000
Monthly SIPThe amount you invest every month
₹500₹2,00,000
Expected Annual GrowthThe average yearly return you assume — your choice, not a DhanRadar prediction
1%30%
Investment PeriodHow many years you stay invested
1 yr40 yrs
Estimated Future Wealth
₹1,31,61,757
₹1,00,000 upfront + ₹25,000/month over 15 years
Money You Invest
₹46,00,000
Total contributions
Profit Earned
₹85,61,757
Growth on your money
Wealth Multiplier
2.9×
Your money grows this many times
Growth Over Time
Invested vs Wealth
₹0₹34.55L₹69.1L₹1.04Cr₹1.38Cr0y3y6y9y12y15yYear 0 · ₹1LInvested ₹1L
Estimated WealthMoney Invested
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What If…

Small changes, big impact
Invest ₹5,000 more₹30K/mo
₹1.57Cr
+₹25.23L vs now
Stay invested 5 years longer20 yrs
₹2.59Cr
+₹1.28Cr vs now
Earn 2% more14%
₹1.6Cr
+₹28.73L vs now
Earn 2% less10%
₹1.09Cr
−₹22.96L vs now
Start a 10% step-up+10%/yr
₹2.23Cr
+₹90.95L vs now
Worth in today’s money@6% inflation
₹54.92L
₹76.7L less
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AI Insights

DhanRadar AI

Invest ₹5,000 more changes this estimate by about ₹25.23L — small, steady changes add up.

Staying invested 5 more years adds roughly ₹1.28Cr. Time in the market tends to matter most.

At 6% inflation, this ₹1.32Cr would buy what ₹54.92L buys today — plan for real, not just nominal, wealth.

A 10% yearly step-up could add about ₹90.95L, just by raising your SIP as your income grows.

For education only — not investment advice. These insights illustrate how your own inputs change an estimate; they are not recommendations to buy, sell, or hold any fund. Estimates assume a constant annual return, which real markets do not provide.

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Year-by-Year Growth

YearInvestedWealthProfitMultiple
Year 1₹4L₹4.32L+₹32K1.08×
Year 2₹7L₹8.07L+₹1.07L1.15×
Year 3₹10L₹12.28L+₹2.28L1.23×
Year 4₹13L₹17.03L+₹4.03L1.31×
Year 5₹16L₹22.38L+₹6.38L1.40×
Year 6₹19L₹28.41L+₹9.41L1.50×
Year 7₹22L₹35.21L+₹13.21L1.60×
Year 8₹25L₹42.86L+₹17.86L1.71×
Year 9₹28L₹51.48L+₹23.48L1.84×
Year 10₹31L₹61.19L+₹30.19L1.97×
Year 11₹34L₹72.13L+₹38.13L2.12×
Year 12₹37L₹84.46L+₹47.46L2.28×
Year 13₹40L₹98.35L+₹58.35L2.46×
Year 14₹43L₹1.14Cr+₹70.99L2.65×
Year 15₹46L₹1.32Cr+₹85.62L2.86×
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Where Your Wealth Comes From

Total₹1.32Cr
Money You Invest₹46,00,00035%
Profit Earned₹85,61,75765%

65% of your estimated wealth is profit — the power of compounding. The longer you stay invested, the more this share tends to grow.

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Related Calculators

SIP Calculator
See how your monthly investment grows into wealth over time.
Lumpsum Calculator
See how a one-time investment grows over time.
Step-up SIP Calculator
See how raising your SIP a little every year grows your wealth.
Future Wealth₹1.32Cr

Calculations are estimates for illustration only and assume a constant annual return, which real markets do not provide. DhanRadar is a research & analytics platform, not an investment advisor. Mutual fund investments are subject to market risks.