SIP + Lumpsum Calculator

The SIP + Lumpsum Calculator computes the combined future value of a one-time lumpsum investment made today alongside a 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.

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

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.