Is the Required SIP & Lump Sum Calculator free to use?

Yes. The Required SIP & Lump Sum Calculator on NiyamFin is completely free. All calculations run in your browser — no login, no account, and your inputs are never sent to any server.

What assumptions does the Required SIP & Lump Sum Calculator use?

SIP contributions made at the beginning of each month (annuity due); lump sum compounds annually. Returns are compounded at the annual rate entered. Existing savings grow at the same rate for the full period, under either path. Does not account for taxes, fund expenses, or irregular top-ups.

Investment · Client-side estimate

Required SIP & Lump Sum Calculator

Find the monthly SIP — or one-time lump sum — you need today to reach a target corpus at an expected return.

Investment

Target corpus

How much do you want to accumulate? e.g. ₹1 Cr = 10000000

Expected return

Time horizon

Existing savings (optional)

Amount already invested that will also grow at the same rate.

Your entries are used only in this browser session. NiyamFin does not store or send calculator inputs, even when privacy-preserving page analytics are enabled.

Formula and assumptions

View methodology

SIP path: Required SIP = Gap × r / ((1+r)^n − 1) / (1+r), where Gap = Target − Existing×(1+annual_rate)^years, r = monthly rate, n = months. Lump sum path: Required lump sum = Gap ÷ (1+annual_rate)^years.

- SIP contributions made at the beginning of each month (annuity due); lump sum compounds annually.
- Returns are compounded at the annual rate entered.
- Existing savings grow at the same rate for the full period, under either path.
- Does not account for taxes, fund expenses, or irregular top-ups.

This calculator is for education and illustration only. It is not financial, investment, tax, insurance, lending, or legal advice. Please consult a qualified professional before making financial decisions.

Understand first. Act second.

What next?

Understand the result

Read the signal and the assumptions before changing anything.

Stress-test

Try a higher rate, lower income, or more conservative return.

Save locally

Keep this scenario in My Money Plan on this device.

Act if appropriate

Use educational next steps unless a disclosed partner action is configured.

Saved on this device only. Clearing browser data can remove your plan.

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Educational estimate only — not financial, tax, or investment advice. NiyamFin is not a SEBI-registered investment adviser, IRDAI-licensed insurer, or lender.

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What next?

Understand the result

Read the signal and the assumptions before changing anything.

Stress-test

Try a higher rate, lower income, or more conservative return.

Save locally

Keep this scenario in My Money Plan on this device.

Act if appropriate

Use educational next steps unless a disclosed partner action is configured.

Saved on this device only. Clearing browser data can remove your plan.