📈 Investment Growth
SIP + lump sum growth with a year-by-year projection.
This projects how a combination of a one-time lump sum and recurring monthly SIP investments grows over time, showing a year-by-year breakdown of contributions versus growth.
Lump sum growth uses standard compound interest:
FV = P × (1 + r)n
The SIP portion uses the future value of an annuity formula, and the two are combined and projected annually so you can see how much of your final corpus came from your own contributions versus market growth. The same annuity math, solved in reverse, is what the Goal Savings calculator uses.
A 1,00,000 lump sum plus a 10,000/month SIP over 15 years at a 12% expected annual return grows to roughly 58,00,000–60,00,000, of which only about 19,00,000 is money you actually put in — the rest is compounding.
Assuming a flat annual return understates real-world volatility; actual year-to-year returns vary significantly even if the long-term average holds. It's also easy to overestimate expected returns — check historical, inflation-adjusted averages for your asset class rather than picking an optimistic round number.
What it does
Projects how a lump sum plus regular monthly (SIP) contributions grow at a fixed annual return, with a year-by-year table.
When to use it
Use it to see what your savings could be worth at retirement, or to test how starting earlier and compounding longer changes the outcome.
Assumptions
- A constant annual return every month of every year.
- Monthly contributions are made at the start of each month.
- Returns are not taxed and no fees are charged.
The table is the most useful part: compare the 'gain' column to the 'contributed' column. When gains outpace contributions, compounding is doing the heavy lifting — that is the case for keeping money invested longer.