Compare and combine a Systematic Investment Plan with a one-time lumpsum investment to see projected wealth at your target return rate.
How to use the SIP vs Lumpsum Wealth Planner
- Enter your monthly SIP amount and an optional yearly step-up percentage.
- Add a lumpsum amount if you're also investing one-time.
- Set your expected annual return and investment horizon.
- Review your projected combined wealth.
Why use FreeToolsNets's SIP vs Lumpsum Wealth Planner?
- 100% free, with no usage limits and no account required.
- Everything runs locally in your browser — nothing you type is uploaded or stored on a server.
- Works on desktop, tablet and mobile in any modern browser.
- No installation, no plugins, and no ads blocking the tool itself.
Frequently asked questions
Are these returns guaranteed?
No — mutual fund returns are market-linked; this is an illustrative projection based on the rate you enter.
What is a step-up SIP?
It increases your SIP contribution by a fixed percentage every year, matching rising income.
Is this tool free to use?
Yes, completely free on FreeToolsNets, with no sign-up and no limits.
Is my data sent to a server?
No. Everything runs locally in your browser using JavaScript — nothing you enter is uploaded anywhere.
Does it work on mobile?
Yes, the widget is fully responsive and works on phones, tablets and desktops.