Reverse SIP Calculator

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A Reverse SIP / Lumpsum Calculator determines the amount that can be withdrawn periodically or the total corpus that can be generated based on an initial investment and expected rate of return. More info →

Input

Enter your target amount and expected return.

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How This Calculator Works

This calculator starts from the amount you want to end up with and works backwards. It shows two ways to get there: a one-time lumpsum invested today, or a fixed monthly SIP.

The Formulas

Lumpsum = Target ÷ (1 + r)^t
Monthly SIP = Target ÷ {[(1 + i)ⁿ − 1] ÷ i × (1 + i)}

r = annual return · t = years · i = annual return ÷ 12 · n = years × 12 (nearest whole month)

What Each Input Does

Target Amount: The amount you want to have at the end.
Expected Return (%): The yearly return you expect. A higher return means you need to invest less.
Duration (Years): How long until you need the money.

Step by Step

Lumpsum: the target is discounted back to today at the yearly return.
SIP: the target is divided by the growth of 1 invested at the start of every month.
Both amounts are rounded to the nearest whole amount.

Reading the Result

Lumpsum or SIP – either one alone should reach the target, if the expected return is achieved.

Quick Example

Target 1,000,000 in 10 years at 12%. You need either a lumpsum of 321,973 today or a monthly SIP of 4,304.