Skip to content
FreeToolsNets

SIP vs Lumpsum Wealth Planner

Project your SIP + Lumpsum mutual fund wealth on FreeToolsNets — with optional annual step-up.

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

  1. Enter your monthly SIP amount and an optional yearly step-up percentage.
  2. Add a lumpsum amount if you're also investing one-time.
  3. Set your expected annual return and investment horizon.
  4. 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.