Why these calculators work together
We keep SIP, lumpsum, and mortgage math simple with 1-20 year scenarios and quick links between mutual fund styles, so you can move between monthly investing, one-time investing, and home loans without changing flow.
- SIP calculator combines core and advanced inputs (step-up, inflation) with a single chart and table.
- Lumpsum calculator opens in one click from SIP so you can compare one-time vs monthly investing.
- Mortgage calculator still covers taxes, insurance, HOA, PMI, and payoff tracking for home loans.
SIP + advanced in one view
Enter SIP amount, expected return, and tenure; toggle step-up and inflation; then see default and extended projections (1, 3, 5, 10, 15, 20 years) on one chart.
Lumpsum growth side by side
Flip to the lumpsum calculator to project one-time investments with the same horizons and quick navigation back to SIP.
Mortgage payoff clarity
Break down principal, interest, taxes, insurance, HOA, PMI, extra payments, payoff date, and printable amortization in one place.
Scenario-ready tables
Tables stay visible by default so you can export future values, invested amounts, and gains without extra clicks.
How to choose SIP vs lumpsum
SIP (monthly)
- Useful when cash flows arrive monthly (salary, rent, overseas remittance).
- Step-up your SIP yearly to match income growth and combat inflation.
- Use the 1-20 year projections to see how staying invested longer compounds.
Lumpsum (one-time)
- Great for bonuses, asset sales, or NRE/NRO balances you want to deploy immediately.
- Test different years to see how long you need to hold for your target corpus.
- Switch back to SIP in one click if you want to split money between both styles.
Finance FAQs
Can I use any currency?
Yes. Values are currency-neutral, so you can treat them as any unit that matches your investing or mortgage context.
Do the charts cover longer holding periods?
Both SIP and lumpsum calculators include ready-made projections for your chosen tenure plus 1, 3, 5, 10, 15, and 20 additional years, plotted in a chart and table by default.
What assumptions are used?
We compound monthly using the annual return you enter. For SIP, step-up and inflation inputs live in the same calculator so you do not have to switch screens.
Is the mortgage calculator detailed enough?
It covers principal, interest, taxes, insurance, HOA, PMI, and extra payments so you get a full payment picture with payoff dates.