Investment Returns
Lump Sum SIP Calculator
Calculate total wealth from combining a one-time lumpsum investment with a monthly SIP. See stacked growth chart, total corpus, and wealth gained. Free India mutual fund calculator.
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
Your actual lumpsum + SIP combined value is shown in the FundSageAI dashboard from your real CAS data — no manual entry needed.
What is Lump Sum SIP Calculator?
The Lump Sum SIP 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.
The 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
Related Reading
Common Questions
Frequently Asked Questions
You might also like
Free · No credit card · 2 min setup
These calculators use assumptions.
Your portfolio uses facts.
Upload your CAMS or KFintech CAS statement to get real XIRR, true corpus values, actual fund overlap, and personalised insights — all pre-filled with your data.