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Lumpsum Plus SIP Calculator

Invest a one-time lumpsum and a monthly SIP at the same time, and see the combined corpus they build.

A lumpsum plus SIP calculator combines two ways of investing into one projection: a one-time lumpsum that compounds from day one, and a monthly SIP that keeps adding to it. It shows the total maturity value, how much you invested, and how much came from returns.

Why combine a lumpsum and a SIP?

Most investors do both at some point — they start with a chunk of money (a bonus, savings or a maturity payout) and then keep investing every month. Looking at them separately hides the full picture. This tool grows the lumpsum and the SIP together so you see one combined corpus at the end.

How the calculation works

The lumpsum compounds at your expected return for the full period, exactly like our Lumpsum Calculator. The monthly SIP compounds instalment by instalment, exactly like our SIP Calculator. The two results are added together each year, so the numbers always match those standalone tools.

💡 Worked example

Invest a ₹5,00,000 lumpsum plus a ₹10,000 monthly SIP at 12% for 15 years. The lumpsum grows to about ₹27.4 lakh and the SIP to about ₹50.5 lakh — a combined corpus of roughly ₹77.8 lakh from ₹23 lakh invested.

FAQ

Lumpsum Plus SIP questions

Is investing a lumpsum plus a SIP better than either alone?
It puts more money to work sooner. The lumpsum benefits from a longer compounding runway, while the SIP keeps averaging your cost over time. Together they usually build a larger corpus than a SIP alone with the same monthly amount.
Can I set the lumpsum or the SIP to zero?
Yes. Set the SIP to zero and it behaves like a pure lumpsum calculator; set the lumpsum to zero and it behaves like a pure SIP calculator. Use any mix in between.
What return should I assume?
Use a realistic long-term figure — roughly 11–13% for diversified equity funds, and less for hybrid or debt funds. The same rate is applied to both the lumpsum and the SIP.
Does this account for tax?
No. It shows pre-tax growth. Capital-gains tax applies when you redeem, and the rate depends on the fund type and how long you held the units.
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