Investment Calculator
SIP ya Lumpsum – dono ka future value calculate karein. Apne mutual fund investments ke returns easily dekhein.
Year-wise Growth Breakdown — SIP
SIP Kya Hai?
SIP (Systematic Investment Plan) mutual funds mein invest karne ka ek tarika hai jismein aap ek fixed amount har month invest karte hain. Yeh rupee cost averaging ka benefit deta hai aur long-term wealth creation mein madad karta hai.
SIP Calculator Formula
Yeh calculator month-by-month compounding use karta hai jo exact accurate hai aur Groww jaisa same result deta hai.
Month-by-Month: Har month investment add hoti hai aur uspar monthly interest compound hota hai
- Monthly Rate = Annual Rate ÷ 12 ÷ 100
- Each Month: Balance = (Previous Balance + Monthly Investment) × (1 + Monthly Rate)
Lumpsum Investment Kya Hai?
Lumpsum investment mein aap ek baar mein poora amount invest karte hain. Yeh un investors ke liye suitable hai jinke paas ek saath bada amount available ho. Isme compound interest ka pura benefit milta hai kyunki poora amount shuru se invest hota hai.
Lumpsum Calculator Formula
Year-by-year compounding use karta hai jo exact accurate hai.
Year-by-Year: Har saal end mein balance par annual interest compound hota hai
- Each Year: Balance = Previous Balance × (1 + Annual Rate)
SIP vs Lumpsum — Kya Choose Karein?
SIP best hai agar aap regular income se invest karna chahte hain aur market volatility se bachna chahte hain. Lumpsum tab better hai jab aapke paas ek saath bada amount ho aur aap long-term ke liye invest karna chahte hain. Dono ka apna-apna advantage hai — aap apni financial situation ke hisaab se choose karein.
SIP Calculator 2026: SIP vs Lumpsum Investment Ka Sahi Faisla Kaise Karein?
Mutual fund me invest karna soch rahe ho lekin confuse ho ki SIP better hai ya Lumpsum? Dono ke apne fayde aur nuksan hain. Isi confusion ko door karne ke liye humara SIP calculator banaaya gaya hai. Is free tool ki madad se aap 2 second me jaan sakte ho ki agar aap har mahine 5000 rupaye invest karte ho ya ek saath 1 lakh rupaye lagate ho to 10, 15, 20 saal baad kitna paisa banega.
SIP Kya Hota Hai? Simple Language Me Samjho
SIP matlab Systematic Investment Plan. Ye ek aisa tareeka hai jisme aap har mahine fixed amount mutual fund me invest karte ho. Jaise aap har mahine 3000 rupaye SIP calculator me daal kar check kar sakte ho ki long term me kitna return milega.
SIP ka sabse bada fayda hai Rupee Cost Averaging. Jab market niche hota hai to aapko zyada units milti hain aur jab market upar hota hai to kam units milti hain. Long term me ye average cost ko balance kar deta hai.
Lumpsum Investment Kya Hota Hai?
Lumpsum ka matlab hai ek saath bada amount invest karna. Maan lo aapko bonus mila 2 lakh rupaye ka aur aap usko ek baar me hi equity mutual fund me laga dete ho. SIP calculator aur lumpsum calculator dono ke results compare karke hi decision lena chahiye.
SIP Calculator vs Lumpsum: Comparison Table 2026
| Factor | SIP Investment | Lumpsum Investment |
|---|---|---|
| Initial Amount | 500 rupaye se start kar sakte ho SIP calculator me | Minimum 5000-10000 rupaye chahiye |
| Risk Level | Low to Medium – SIP calculator me market volatility kam impact karti hai | High – agar market high par invest kiya to loss ho sakta hai |
| Best For | Salaried log jo har mahine SIP calculator use karte hain | Log jinke paas ek saath paisa ho jaise bonus, FD maturity |
How to Use Our Free SIP Calculator
Humare SIP calculator me aap koi bhi amount aur duration daal sakte ho. Bas monthly investment, expected return, aur time period daalo aur instant result dekho. Kuch common examples dekho:
- 1000 per month SIP for 20 years: 12% return par maturity amount lagbhag 1 crore ho jata hai.
- 5000 per month SIP for 10 years: 12% return par aapko 11.61 lakh milenge.
- 2000 monthly SIP for 15 years: 12% return par 9.66 lakh tak ka fund ban sakta hai.
- 10000 SIP for 10 years: 12% return par 23.23 lakh banenge.
SIP calculator with inflation adjustment use karna zaroori hai kyunki 20 saal baad 1 crore ki value aaj ke 40 lakh ke barabar hoti hai.
Lumpsum Investment Examples
- 50000 lumpsum investment for 5 years: 12% return par 88,117 rupaye banenge.
- 1 lakh lumpsum investment for 10 years: Agar fund 12% return de to 3.10 lakh banenge.
- Lumpsum target calculator for 1 crore in 15 years: 12% return par aapko aaj 1.83 lakh invest karna hoga.
7 5 3 1 Rule in Mutual Fund Investment
Ye rule simple hai – 7 saal me paisa double, 5 saal me 1.5x, 3 saal me 1.3x, 1 saal me 1.1x ho sakta hai agar 12% return mile. Humare SIP calculator me aap check kar sakte ho ki aapka investment kitne saal me double hoga.
15 15 15 Rule Aur 12 15 20 Rule Explained
15 15 15 mutual fund rule me 15 saal tak 15,000 rupaye monthly SIP 15% return par invest karte ho to 1 crore se zyada ka fund ban jata hai. 12 15 20 rule me 12 saal tak 15,000 rupaye monthly SIP 20% return par invest karte ho to 1 crore ban jata hai.
Advanced Features: Step Up, SWP aur Daily SIP
Humare SIP calculator me step up SIP calculator option built-in hai. Aapko alag se excel sheet download karne ki zaroorat nahi. Bas har saal kitna % badhana hai wo daal do.
Daily SIP vs Monthly SIP me returns ka difference sirf 1-2% ka hota hai. Jab aapka SIP maturity ho jaye to SWP calculator use karke monthly income nikaal sakte ho.
Goal Based Planning Aur Tax Benefits
SIP calculator for child education and marriage planning ke liye target amount daalo. Jaise 18 saal baad 25 lakh chahiye to 12% return par har mahine 5,800 rupaye SIP karni hogi.
How to create 1 crore from SIP in 12 years ke liye aapko 43,000 rupaye monthly invest karna hoga 12% return par. ELSS me invest karke aap 80C ke under 1.5 lakh tak tax bacha sakte ho.
Safe Investment Options Ke Saath Compare Karein
Agar aap low risk investment dhoond rahe ho to SIP calculator ke results ko in options se compare karo:
- Post Office RD vs Bank FD 2026 – Guaranteed returns ke liye best hai.
- Senior Citizen Savings Scheme 2026 – 60+ logon ke liye 8.2% interest.
- Form 26AS Download – Apna TDS aur tax details check karo.
- AMFI Official Guide on SIP – SIP ke baare me official info AMFI se.
Business Aur Govt Schemes
Business start karna chahte ho to ye schemes check karo:
- PM Kisan FPO Yojana 2026 – 15 lakh tak ka fund.
- CM Yuva Swarozgar Yojana UP 2026 – UP youth ke liye loan.
- PM SVANidhi Yojana 2026 – Street vendors ke liye 50,000 tak loan.
Conclusion – Use SIP Calculator Before Investing
Agar aap salaried ho aur har mahine thoda paisa bacha sakte ho to SIP best hai. Isme risk kam hai aur discipline banti hai. Lumpsum tab karo jab ek saath bada amount ho aur market low ho. Humara free SIP calculator use karke apna financial goal set karo aur invest karna shuru karo.