What is a SIP Calculator?
A Systematic Investment Plan (SIP) calculator helps you estimate the future value of your monthly investments in mutual funds. By entering the amount, time horizon, and expected return, you can understand how much wealth you may accumulate over time.
✅ Best for salaried investors who want disciplined, monthly savings.
✅ Shows the power of compounding over years.
✅ Helps plan financial goals like retirement, education, or wealth creation.
Example: If you invest ₹5,000 per month for 10 years at 12% return, your maturity value may cross ₹11 lakh.
What is a Lumpsum Calculator?
A Lumpsum investment calculator calculates the maturity value of a one-time investment. By entering the investment amount, period, and expected return rate, you can forecast how much wealth your single investment can grow into.
✅ Ideal for investors with a bonus, inheritance, or surplus cash.
✅ Useful for long-term wealth creation.
✅ Gives a clear idea of future portfolio value.
Example: A ₹1,00,000 lumpsum invested for 10 years at 12% expected return may grow to more than ₹3 lakh.
What is a SWP Calculator?
A Systematic Withdrawal Plan (SWP) calculator helps you calculate how long your corpus will last if you withdraw a fixed amount every month while earning returns.
✅ Perfect for retirees who need monthly income.
✅ Useful to manage cash flows without exhausting funds quickly.
✅ Helps balance withdrawals and returns effectively.
Example: A ₹10,00,000 investment with a ₹20,000 monthly withdrawal at 10% return may sustain for several years while leaving some balance at the end.
Why Use These Calculators Together?
- SIP Calculator → For regular savings and future wealth creation.
- Lumpsum Calculator → For one-time investments and growth forecasting.
- SWP Calculator → For retirement planning and monthly income.
By combining these three tools, investors can plan their entire financial journey – from accumulating wealth to withdrawing it smartly in retirement.
❓ Frequently Asked Questions (FAQs)
1. What is the difference between SIP, Lumpsum, and SWP calculators?
- A SIP Calculator estimates the future value of monthly investments.
- A Lumpsum Calculator shows the growth of a one-time investment.
- A SWP Calculator calculates how long your corpus will last with monthly withdrawals.
2. Which is better – SIP or Lumpsum?
Both have their own advantages. SIP is best for disciplined monthly savings, while Lumpsum is suitable when you have surplus money to invest at once.
3. Who should use an SWP Calculator?
An SWP Calculator is most useful for retirees and those who want a steady monthly income from their investments without fully redeeming the corpus.
4. How accurate are these calculators?
These calculators give an approximate projection based on expected returns. Actual returns may differ as mutual fund investments are subject to market risks.
5. Can I invest directly from the calculator?
No. The calculators are for illustration and planning only. To invest, you can use mutual fund distributor platforms like NJ Wealth, Paytm Money Partner, or MF Utility.
6. Why should I use these calculators before investing?
They help you:
- Understand future value of investments
- Compare SIP vs Lumpsum strategies
- Plan retirement income with SWP
- Set realistic financial goals
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