Investment Returns
SIP + Lumpsum Calculator
SIP plus lumpsum calculator: combine a one-time lump sum with a monthly SIP and see total corpus, wealth gained and a stacked growth chart. Free for India.
Total Future Value
₹77.8 Lac
Combined lumpsum + SIP corpus
Lumpsum Grows To
₹27.4 Lac
SIP Grows To
₹50.5 Lac
Total Invested
₹23 Lac
Wealth Gained
₹54.8 Lac
Stacked Growth: Lumpsum + SIP
Get this calculated on your actual portfolio
How much has your SIP + lumpsum actually grown? Upload your CAS and see it fund by fund.
What is SIP + Lumpsum Calculator?
The SIP plus lumpsum calculator computes the combined future value of a one-time lump sum investment made today alongside an ongoing monthly SIP over the same period. Many investors deploy a bonus or windfall as a lumpsum while also maintaining a regular SIP — this calculator shows the combined wealth creation from both strategies. It produces a stacked area chart showing how much of the final corpus comes from the lumpsum compounding versus from the SIP accumulation, helping you understand the relative contribution of each approach.
How to use this tool
Enter the One-Time Lumpsum amount (can be ₹0 if only doing SIP).
Enter Monthly SIP amount (can be ₹0 if only doing lumpsum).
Enter Expected Annual Return and Investment Period in Years.
The calculator shows individual lumpsum and SIP future values plus the combined corpus and stacked growth chart.
SIP + Lumpsum Formula
Lumpsum FV = L × (1 + r)^n SIP FV = P × [((1+r_m)^m - 1) / r_m] × (1+r_m) Combined FV = Lumpsum FV + SIP FV Where r = annual return, r_m = monthly return (r/12), n = years, m = months
Key Terms
- Lumpsum
- A single one-time investment of a large amount, as opposed to regular SIP installments. Also called a bulk investment or one-time investment.
- STP (Systematic Transfer Plan)
- An alternative to lumpsum investing where a large amount is parked in a liquid/debt fund and systematically transferred to equity monthly — combines lumpsum safety with SIP averaging.
- Staggered Investment
- Splitting a large windfall into multiple installments over 6–12 months to reduce timing risk, rather than deploying the full amount at once.
Key Benefits
- ✓See the combined corpus from both lumpsum and SIP in one calculation.
- ✓Understand how a lumpsum bonus accelerates wealth creation vs continuing SIP alone.
- ✓Stacked area chart visually shows the separate contribution of each strategy.
- ✓Helps decide: should I redeploy a windfall as a lumpsum or step up my SIP?
Practical Example
Lumpsum: ₹5,00,000 (annual bonus) Monthly SIP: ₹10,000 Return: 12% p.a. | Period: 15 years Lumpsum grows to: ₹27.37 lakh SIP corpus: ₹50.46 lakh Combined Corpus: ₹77.83 lakh Total Invested: ₹23 lakh Wealth Gained: ₹54.83 lakh
FundSageAI Dashboard
Do more with your real portfolio data
- 1Actual corpus from CAS — lumpsum + SIP combined
- 2Fund-wise contribution to total portfolio
- 3Wealth gained from each SIP installment separately
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Common Questions
Frequently Asked Questions
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