Plan your investment with SIP and Lumpsum both combined.
I know my
The Lumpsum + SIP Calculator is a versatile tool designed for investors who want to combine the discipline of monthly savings with the power of an initial one-time investment. Many investors start their journey with a "seed" amount (Lumpsum) and then continue to grow it through a Systematic Investment Plan (SIP). This calculator provides a comprehensive projection of your combined wealth, helping you visualize how these two investment methods work in tandem to accelerate your corpus building.
Our calculator offers two distinct modes to help you plan your hybrid investment strategy effectively.
Mode 1: Combined Growth (To calculate your corpus)
Use this mode when you already have a set amount to invest and want to see the potential future result of your combined efforts.
The calculator will display the estimated final corpus, showing you the individual contribution of both your Lumpsum and your SIP.
Mode 2: Goal Achievement (Find Your Monthly SIP or Initial Lumpsum)
Use this mode if you have a fixed initial lumpsum available today and want to calculate the monthly SIP needed to reach a specific target. Or alternatively, if you know exactly how much you can afford to save monthly and want to find the one-time "seed" investment required today to hit your goal.
The calculator integrates the Future Value of a Lumpsum and the Future Value of an Ordinary Annuity (SIP).
For Combined Corpus (A):
The final amount is the sum of the Lumpsum growth and the SIP growth:
The final amount is the sum of the Lumpsum growth and the SIP growth:
$$A = [P \times (1 + i)^n] + [S \times \frac{(1 + i)^n - 1}{i} \times (1 + i)]$$Where:
$$A = P \times (1+g) \times \frac{ (1+i)^n - (1+g)^n }{ (1+i) - (1+g) }$$Where:
Case 1: The Power of Combined Growth
Rahul has ₹5 Lakhs in savings and
decides to invest it for his retirement over the next
20 years. To accelerate wealth
creation, he also commits to a monthly SIP of
₹10,000 and plans to increase it by
10% every year. He expects an
average annual return of 12%.
Initial Lumpsum: ₹5,00,000
Monthly SIP: ₹10,000
SIP Top-up: 10%
Time Period: 20 Years
Expected Return: 12%
According to the calculator, Rahul’s initial ₹5 Lakhs grows to
approximately
₹48.23 Lakhs, while his monthly SIP
contributes another ₹1.99 Crores.
His total estimated corpus reaches
₹2.47 Crores. This case highlights
how combining a one-time investment with disciplined SIP contributions
can significantly amplify long-term wealth.
Case 2: Finding the Required SIP
Vikram wants to save
₹1 Crore for his child’s education
in 15 years. He has a one-time
bonus of ₹10 Lakhs to invest today
and expects an
annual return of 12%.
Initial Lumpsum: ₹10,00,000
Target Amount: ₹1,00,00,000
Time Period: 15 Years
Expected Rate of Return:
12%
The calculator shows that Vikram’s ₹10 Lakhs will grow to
approximately
₹54.7 Lakhs. To bridge the
remaining gap, he needs to start a monthly SIP of around
₹9,068.
Case 3: Finding the Required Lumpsum
Ananya can afford a monthly SIP of
₹20,000 for her retirement over the
next 20 years and plans to increase
it by 10% annually. She targets a
corpus of ₹2 Crores in today’s
value and adjusts it for
6% inflation to maintain her
lifestyle. She expects an
annual return of 12%.
Monthly SIP: ₹20,000
SIP Top-up: 10%
Time Period: 20 Years
Target Amount (Current Value):
₹2,00,00,000
Inflation Adjustment: 6%
Expected Rate of Return:
12%
The calculator first adjusts the target for inflation, making the
future required corpus approximately
₹6.41 Crores. After evaluating the
growth of her SIP, it determines that Ananya needs an initial lumpsum
investment of about
₹25.26 Lakhs today to meet her
inflation-adjusted retirement goal.
