SIP + Lumpsum Calculator
Calculate the total future value of your Lumpsum and SIP investments together and see how your wealth can grow smarter.
Investment Details
Min: ₹1,000•Max: ₹1,00,00,000
Min: ₹100•Max: ₹10,00,000
Min: 1% • Max: 30%
Min: 1 Year • Max: 30 Years
Total Invested
Lumpsum ₹1,00,000 + SIP ₹6,00,000
Maturity Value
Lumpsum ₹3,10,585 + SIP ₹11,20,179
Wealth Gain
Total profit from both investments
Combined Investment Growth Over Time
- Total Invested
- Maturity Value
About SIP + Lumpsum Calculator & Frequently Asked Questions
What is the SIP + Lumpsum Calculator?
The SIP and Lumpsum Calculator enables you to project the combined growth of both an initial one-time capital investment and ongoing monthly installments. Through this hybrid model, you harness compounding on both streams simultaneously. If you also wish to map future post-retirement cash withdrawals from this combined fund, explore our Combined Investment Planner.
Why Invest Through Both SIP and Lumpsum Simultaneously?
Most investors face a dilemma when they receive an annual bonus, gratuity, or savings windfall about whether to invest it in one go or stick exclusively to monthly SIPs. Standard calculators force you to run separate calculations on different pages. Our tool combines both streams on a single dashboard, allowing your initial lump-sum to start compounding immediately while your ongoing monthly SIP continuously averages market volatility through rupee-cost averaging. This eliminates idle cash drag without sacrificing ongoing investment discipline.
Where and Why is it Helping?
- Strategy of Balanced Investment: Combines the high initial compounding of a lump sum with the market-volatility averaging of a monthly SIP Calculator.
- Improved Risk Management: Rupee cost averaging from the SIP cushions against market downturns, while the initial lump sum accelerates early asset base growth.
- Quick Wealth Creation: Dual investment streams accelerate your timeline to reach major financial goals.
- Goal-oriented Investment: Perfect for funding children's higher education, home down payments, or early retirement.
- Systematic Cashflow Exit: Once your target maturity value is reached, you can convert your corpus into regular monthly income with our SWP Calculator.
How to Use the Calculator
- Enter Lumpsum Amount - Input the one-time investment you plan to make.
- Enter Monthly SIP Amount - Add the amount you will invest regularly.
- Set Expected Annual Return (%) - Provide an estimated return rate.
- Choose Investment Duration - Select the number of years you want to stay invested.
- Turn on Step-Up SIP - Decide whether you want to increase your SIP amount annually. If yes, choose the step-up type (percentage or fixed amount) and the percentage or fixed amount you want to increase by.
- Automatic Calculation - The calculator computes future values for both SIP and lumpsum.
- View Detailed Results - See total investment, returns earned, and combined maturity value.
The Formula & Example
- The total future value is calculated as: Total Value = FV (Lumpsum) + FV (SIP)
- Lumpsum Formula: FV = P * (1 + r)^n
- SIP Formula: FV = SIP * ({[1 + i]^n - 1} / i) * (1 + i)
- Here, P is the lumpsum amount, SIP is the monthly investment, r is the annual return rate, i is the monthly rate (r ÷ 12), and n is the total number of months.
- For example, if you invest ₹1,00,000 as lumpsum and ₹5,000 monthly for 10 years at 12% return, your combined investment of ₹7,00,000 grows to approximately ₹14,71,438. To plan pure one-off investments without monthly additions, check our Lumpsum Calculator.
About SIP + Lumpsum Calculator & Frequently Asked Questions
What is the SIP + Lumpsum Calculator?
The SIP and Lumpsum Calculator enables you to project the combined growth of both an initial one-time capital investment and ongoing monthly installments. Through this hybrid model, you harness compounding on both streams simultaneously. If you also wish to map future post-retirement cash withdrawals from this combined fund, explore our Combined Investment Planner.
Why Invest Through Both SIP and Lumpsum Simultaneously?
Most investors face a dilemma when they receive an annual bonus, gratuity, or savings windfall about whether to invest it in one go or stick exclusively to monthly SIPs. Standard calculators force you to run separate calculations on different pages. Our tool combines both streams on a single dashboard, allowing your initial lump-sum to start compounding immediately while your ongoing monthly SIP continuously averages market volatility through rupee-cost averaging. This eliminates idle cash drag without sacrificing ongoing investment discipline.
Where and Why is it Helping?
- Strategy of Balanced Investment: Combines the high initial compounding of a lump sum with the market-volatility averaging of a monthly SIP Calculator.
- Improved Risk Management: Rupee cost averaging from the SIP cushions against market downturns, while the initial lump sum accelerates early asset base growth.
- Quick Wealth Creation: Dual investment streams accelerate your timeline to reach major financial goals.
- Goal-oriented Investment: Perfect for funding children's higher education, home down payments, or early retirement.
- Systematic Cashflow Exit: Once your target maturity value is reached, you can convert your corpus into regular monthly income with our SWP Calculator.
How to Use the Calculator
- Enter Lumpsum Amount - Input the one-time investment you plan to make.
- Enter Monthly SIP Amount - Add the amount you will invest regularly.
- Set Expected Annual Return (%) - Provide an estimated return rate.
- Choose Investment Duration - Select the number of years you want to stay invested.
- Turn on Step-Up SIP - Decide whether you want to increase your SIP amount annually. If yes, choose the step-up type (percentage or fixed amount) and the percentage or fixed amount you want to increase by.
- Automatic Calculation - The calculator computes future values for both SIP and lumpsum.
- View Detailed Results - See total investment, returns earned, and combined maturity value.
The Formula & Example
- The total future value is calculated as: Total Value = FV (Lumpsum) + FV (SIP)
- Lumpsum Formula: FV = P * (1 + r)^n
- SIP Formula: FV = SIP * ({[1 + i]^n - 1} / i) * (1 + i)
- Here, P is the lumpsum amount, SIP is the monthly investment, r is the annual return rate, i is the monthly rate (r ÷ 12), and n is the total number of months.
- For example, if you invest ₹1,00,000 as lumpsum and ₹5,000 monthly for 10 years at 12% return, your combined investment of ₹7,00,000 grows to approximately ₹14,71,438. To plan pure one-off investments without monthly additions, check our Lumpsum Calculator.