What is the difference between SIP and Lumpsum?

SIP (Systematic Investment Plan) is investing a fixed amount regularly (e.g., monthly). Lumpsum is investing a large amount all at once. Lumpsum generally yields higher returns over the same period, but SIP reduces market timing risk.

What is inflation adjustment?

Inflation reduces the purchasing power of money over time. Adjusting for inflation shows you what your future corpus will actually be worth in today's money.

How does Step-up SIP work?

A Step-up SIP involves increasing your monthly investment amount every year by a fixed percentage, helping you grow your wealth faster as your income increases.

How to Use the SIP & Lumpsum Calculator

A Systematic Investment Plan (SIP) is a powerful way to build wealth over time. The SnappedKit.com Advanced SIP Calculator helps you estimate the future value of your mutual fund investments instantly, offering multi-currency support, inflation adjustments, and tax calculations.

1. SIP vs Lumpsum Mode

Use the toggle at the top of the calculator to switch between SIP (regular investments) and Lumpsum (one-time investment). You can instantly see how much more a lumpsum investment yields due to compound interest taking effect immediately, versus averaging it out over time with a SIP.

2. Multi-Currency Support

Click the currency dropdown in the top right header (next to the theme toggle) to switch between ₹ INR, $ USD, € EUR, and £ GBP. The calculator will automatically adjust number formatting (e.g. displaying Crores/Lakhs for INR, and Millions/Thousands for USD/EUR/GBP).

3. Advanced Options

Investment Frequency: Switch from Monthly (default) to Weekly, Quarterly, or Yearly SIPs depending on your cash flow.
Annual Step-up: Check this to automatically increase your SIP amount every year. Even a small 5-10% annual increase dramatically boosts your final corpus.
Inflation Adjustment: Inflation eats away at purchasing power. Check this box to discount your final corpus, showing you what your future wealth will actually be worth in today's money.
Tax Deduction: Instantly deduct Long Term Capital Gains (LTCG) tax from your final returns to get a realistic post-tax valuation.

4. Goal Setup Calculator

Don't know how much to invest? Click the Goal Calculator tab at the bottom. Enter your target corpus (e.g., 1 Crore), how many years you have, and your expected rate of return. The calculator will tell you exactly how much you need to SIP every month to reach that goal.

5. Sharing and Printing

Click the Share button in the toolbar to generate a unique URL containing all your parameters. You can send this link to friends or clients. The Print button generates a clean, ink-friendly report of your amortization schedule.