SIP & lumpsum calculator
Project how an investment could grow. Choose a monthly SIP or a one-time lumpsum, then enter your expected return and time frame.
This tool involves interest (riba) and is shared for educational and informational purposes only — it is not financial advice. Interest-based finance is not permissible in Islam; please consider Shariah-compliant alternatives.
How it is worked out
For a SIP, each monthly instalment is grown by the assumed monthly return for the months it stays invested, then added together. For a lumpsum, the single amount grows at the yearly return for the whole period. Returns are the future value minus everything you put in.
FAQs about SIP and lumpsum
What is a SIP?
A systematic investment plan is when you invest a fixed amount every month into a fund. Each instalment buys units over time, which can smooth out the effect of price ups and downs.
How is SIP future value calculated?
Each monthly instalment grows for the months remaining until the end. This tool adds up the grown value of every instalment using an assumed monthly return to give the final value.
What is a lumpsum investment?
A lumpsum is a single one-time investment that stays invested for the whole period. Its future value is the amount times (1 + yearly return)^years.
Is the return guaranteed?
No. Market-linked investments do not have a fixed return. The rate you enter is only an assumption, and actual results can be higher or lower, including losses.
What return rate should I assume?
People often model equity funds around 10% to 12% a year for long periods, but this is only an estimate. Use a figure you are comfortable with and treat it as a rough guide.