Quikbench
Quikbench
Estimate the future value of a monthly SIP (Systematic Investment Plan) investment, given an expected annual return. Nothing here is sent anywhere; it's plain arithmetic that runs instantly as you type. This is an estimate for planning purposes, not financial advice.
Estimate the future value of a monthly SIP (Systematic Investment Plan) investment or a one-time lumpsum investment, given an expected annual return.
Uses the standard SIP future-value formula, compounding your monthly contribution at the expected monthly rate of return over the chosen number of months. Switch to lumpsum mode to instead compound a single one-time investment annually using standard compound interest. Both modes assume the return rate stays constant for the entire period, which real markets rarely do — treat the output as a planning estimate, not a guarantee.
All calculations run entirely in your browser — there's no upload, no account, and no server involved at any point. Results update live as you move the sliders.
Toggle to lumpsum mode if you're comparing what a one-time amount (a bonus, maturity payout, or inheritance) would grow to versus spreading it out monthly. The two modes aren't just different calculators — they represent genuinely different entry-price outcomes depending on how the market moves after you invest. We break down a real numeric comparison, including exactly when each approach wins, in our guide on SIP vs. lump sum investing.
SIP maturity uses the future value of a growing annuity formula, compounding your fixed monthly investment at your expected monthly rate of return over the full investment period.
Lumpsum maturity simply compounds your one-time investment amount at the expected annual rate of return, for the number of years you hold it — using the standard compound interest formula.
Equity mutual funds in India have historically returned roughly 10–14% annually over long periods, though returns are never guaranteed. Many investors model a conservative 10–12% and a higher 14–15% scenario side by side.
No — it projects nominal future value based on the return rate you enter. To estimate real, inflation-adjusted value, subtract your expected inflation rate from the return rate before entering it.