[{"content":{"header":"[Tejji.com](/)\n\n[Contact](/contact)\n\nInstall\n\nMenu\n\nApps \u0026 Tools\n\n[Mortgage Calculator](/apps/mortgage-calculator) [Loan EMI Calculator](/apps/loan-emi-calculator) [Compound Interest Calculator](/apps/compound-interest-calculator) [Investment Calculator](/apps/investment-calculator) [Retirement Calculator](/apps/retirement-calculator) [Future Value Calculator](/apps/future-value-calculator) [Net Present Value Calculator](/apps/net-present-value-calculator) [Inflation Calculator](/apps/inflation-calculator) [Salary Calculator](/apps/salary-calculator) [Income Tax Calculator](/apps/tax-calculator) [Sales Tax Calculator](/apps/sales-tax-calculator) [Tip Calculator](/apps/tip-calculator) [Percentage Calculator](/apps/percentage-calculator) [APR to APY](/apps/apr-to-apy) [Money Converter](/apps/money-converter) [Send Money](/apps/send-money) [Invoice Generator](/apps/invoice-generator) [Calculator](/apps/calculator) [BMI 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Calculator](/apps/future-value-calculator)\n- [Net Present Value Calculator](/apps/net-present-value-calculator)\n- [Inflation Calculator](/apps/inflation-calculator)\n- [Salary Calculator](/apps/salary-calculator)\n- [Income Tax Calculator](/apps/tax-calculator)\n- [Sales Tax Calculator](/apps/sales-tax-calculator)\n- [Tip Calculator](/apps/tip-calculator)\n- [Percentage Calculator](/apps/percentage-calculator)\n- [APR to APY](/apps/apr-to-apy)\n- [Money Converter](/apps/money-converter)\n- [Send Money](/apps/send-money)\n- [Invoice Generator](/apps/invoice-generator)\n- [Calculator](/apps/calculator)\n\n\u003c!--THE END--\u003e\n\n- Health\n- [BMI Calculator](/apps/bmi-calculator)\n- [Body Fat Calculator](/apps/body-fat-calculator)\n- [Calorie Calculator](/apps/calorie-calculator)\n\n\u003c!--THE END--\u003e\n\n- Education\n- [GPA Calculator](/apps/gpa-calculator)\n- [Grade Calculator](/apps/grade-calculator)\n\n\u003c!--THE END--\u003e\n\n- Developer\n- [JSON Formatter](/apps/json-formatter)\n- [Regex Tester](/apps/regex-tester)\n- [Hash Generator](/apps/hash-generator)\n- [UUID Generator](/apps/uuid-generator)\n- [Unix Timestamp Converter](/apps/timestamp-converter)\n- [Cron Builder](/apps/cron-expression-builder)\n- [Base64 Encoder](/apps/encode-decode-base64)\n- [HTML Encoder](/apps/encode-decode-html)\n- [HTML to Text](/apps/html-to-text)\n- [URL Encoder Decoder](/apps/url-encoder-decoder)\n- [Markdown Editor](/apps/markdown-editor)\n- [Meta Tag Generator](/apps/meta-tag-generator)\n- [QR Code Generator](/apps/qr-code-generator)\n- [Password Generator](/apps/password-generator)\n- [Color Picker](/apps/color-picker)\n- [Character Count](/apps/character-count)\n- [Typo Generator](/apps/typo-generator)\n\n\u003c!--THE END--\u003e\n\n- Fun\n- [Age Calculator](/apps/age-calculator)\n- [Date Calculator](/apps/date-calculator)\n- [What Day Is It](/apps/what-day-is-it)\n- [Lottery Number Generator](/apps/lottery-number-generator)\n\n\u003c!--THE END--\u003e\n\n- Productivity\n- [Pomodoro Timer](/apps/pomodoro-timer)\n\n\u003c!--THE END--\u003e\n\n- Math\n- [Pythagoras Theorem](/apps/pythagoras-theorem)\n- [Roman Numeral Converter](/apps/roman-numeral-converter)\n\n# Investment Calculator\n\nEstimate your investment growth over time with customizable rates, contributions, and time horizons. Perfect for retirement planning, portfolio analysis, and financial goal setting. Compare different investment scenarios side by side.\n\nInvestment Type SIP (Systematic Investment) Lump Sum SIP + Lump Sum\n\nSIP Amount ($) SIP Frequency Monthly Quarterly\n\nLump Sum Amount ($)\n\nExpected Annual Return (%)\n\nTime Period (Years) Time Period Slider\n\n📱 Install Tejji for quick access to this tool Install\n\n## Growth Chart\n\n## Year-by-Year Breakdown\n\n📱\n\nQuick Access\n\nInstall this tool on your device for instant access\n\nInstall App\n\n## Related Products\n\n[📘 Investing Books →](https://www.amazon.com/s?k=investing%20stock%20market%20books\u0026tag=tejji-20) [🔢 Financial Calculators →](https://www.amazon.com/s?k=financial%20calculator%20business\u0026tag=tejji-20) [📒 Portfolio Planners →](https://www.amazon.com/s?k=portfolio%20tracker%20planner\u0026tag=tejji-20)\n\n*As an Amazon Associate, tejji.com earns from qualifying purchases.*\n\n## Frequently Asked Questions\n\n### What is the difference between SIP and lump sum?\n\nSIP (Systematic Investment Plan) invests a fixed amount regularly (monthly), while lump sum invests the entire amount at once. SIP benefits from rupee cost averaging during market volatility.\n\n### What return rate should I assume?\n\nHistorical stock market returns average 10-12% annually. Conservative estimates use 7-8% (accounting for inflation). Fixed deposits typically yield 5-7%.\n\n### How does compound interest work in investments?\n\nCompound interest earns returns on your returns. A $10,000 investment at 10% grows to $25,937 in 10 years with compounding, versus $20,000 with simple interest.\n\n### What is the best free investment calculator online?\n\nThis investment calculator is completely free, requires no sign-up, and runs entirely in your browser. Compare SIP and lump sum returns with year-by-year growth projections instantly.\n\n### Can I compare SIP and lump sum returns without signing up?\n\nYes. This calculator lets you compare SIP, lump sum, or combined investment strategies instantly in your browser. No registration, no app download, and no personal data is collected.\n\n📱\n\nQuick Access\n\nInstall this tool on your device for instant access\n\nInstall App\n\n## Related Tools\n\n[📈 Compound Interest Calculator finance](/apps/compound-interest-calculator) [🏖 Retirement Calculator finance](/apps/retirement-calculator) [📊 Inflation Calculator finance](/apps/inflation-calculator) [🏦 Loan EMI Calculator finance](/apps/loan-emi-calculator) [🧾 Tax Calculator finance](/apps/tax-calculator)\n\n📱\n\nQuick Access\n\nInstall this tool on your device for instant access\n\nInstall App","footer":"\n\n📱 Install Tejji for quick access to this tool Install\n\nTools\n\n- [All Apps](/apps/)\n- [Converters](/convert/)\n- [IP Tools](/ip/)\n- [Calculator](/apps/calculator)\n\nExplore\n\n- [Time \u0026 Date](/time-date/)\n- [Postal Codes](/zip-codes/)\n- [Typing](/typing/)\n- [Extensions](/browser/chrome/extensions/)\n\nCompany\n\n- [About](/home/about)\n- [Contact](/home/contact)\n- [Privacy](/home/privacy)\n- [Terms](/home/terms)\n\nSupport\n\n- [Feedback](/home/contact)\n- [Buy me a coffee](https://buymeacoffee.com/tejji)\n\n© 2026 [Tejji.com](/) — Free online tools for everyone.\n\nWe use cookies for analytics and ads. By clicking \"Accept\", you consent to our use of cookies. [Privacy Policy](/home/privacy)\n\nReject Accept"},"metadata":{"title":"Investment Calculator (SIP \u0026 Lump Sum) | Free Online Tool","description":"Calculate SIP and lump sum investment returns.","imageUrl":null,"author":null,"published":null,"modified":null},"rate":{"price":{"priceMicros":0,"currency":""},"license":{"cuid":"","licenseType":"","licensePath":"","permissions":[],"validUntil":""},"error":""}}]