Lumpsum + SIP Calculator: Project Combined Investment Growth
Already have a lump sum and invest monthly? This lump sum and SIP calculator projects both together — one-time investment plus monthly SIP with annual step-up — and compares the combo against SIP-only and lumpsum-only scenarios, in INR or USD.
Educational estimates — not financial advice. Returns are not guaranteed.Your plan
Where your corpus comes from
Scenario comparison: combo vs SIP-only vs lumpsum-only
Same return and horizon — the only thing that changes is the strategy.
⭐ Lumpsum + SIP (your plan)
| Invested | — |
| Growth | — |
| Implied CAGR | — |
SIP only
| Invested | — |
| Growth | — |
| Implied CAGR | — |
Lumpsum only
| Invested | — |
| Growth | — |
| Implied CAGR | — |
Year-by-year: invested vs growth
Final corpus composition
Year-by-year projection table
| Year | Total invested | Corpus | Growth |
|---|
How the math works
- Monthly rate: your annual return
Rbecomes an effective monthly ratem = (1+R)^(1/12) − 1(e.g. 12% p.a. → 0.949% per month). - Lumpsum: compounds for the full horizon:
P × (1+R)^years. - SIP: each monthly instalment is credited at the start of the month, then grows:
corpus = (corpus + instalment) × (1+m), month by month. - Step-up: every new year the monthly SIP becomes
SIP × (1+g)^(year−1). - Today's money: projected corpus ÷
(1+inflation)^years. - Implied CAGR:
(corpus ÷ invested)^(1/years) − 1— the single annual rate that turns your total invested into the corpus.
Taxes, exit loads and fund expenses are not modelled. Figures are projections, not promises.
Frequently asked questions
What is a lumpsum plus SIP calculator?
A lumpsum plus SIP calculator projects how a one-time investment (lumpsum) and regular monthly investments (SIP — Systematic Investment Plan) grow together at an assumed annual return. It adds the future value of the lumpsum to the future value of every monthly SIP instalment, including any annual step-up, and shows total invested, total corpus, growth, and the corpus in today's money after inflation.
How much will ₹5,00,000 lumpsum + ₹10,000/month SIP grow in 10 years at 12% p.a.?
At a 12% annual return over 10 years, ₹5,00,000 invested once plus ₹10,000 every month grows to ₹37,93,283. You invest ₹17,00,000 in total (₹5,00,000 lumpsum + ₹12,00,000 through SIP), so the estimated growth is ₹20,93,283. After 6% annual inflation, that corpus is worth about ₹21,18,149 in today's money.
Does adding a lumpsum to a SIP make a big difference?
Yes. With the same ₹10,000/month SIP at 12% for 10 years, a SIP-only plan projects ₹22,40,359, while adding a ₹5,00,000 lumpsum at the start lifts the projection to ₹37,93,283 — about 69% more corpus for the same monthly effort, because the lumpsum compounds for the full 10 years.
How does a 10% annual SIP step-up change the outcome?
With ₹1,00,000 lumpsum and ₹5,000/month SIP at 12% for 10 years, a flat SIP projects ₹14,30,764. Raising the monthly SIP by 10% every year projects ₹19,45,034 — roughly 36% more — because larger later contributions still get years of compounding.
What will my corpus be worth in today's money?
The calculator discounts the projected corpus by your inflation assumption. For example, ₹37,93,283 projected in 10 years at 6% annual inflation equals about ₹21,18,149 in today's purchasing power: 37,93,283 ÷ 1.06^10.
What return rate should I assume?
Indian equity mutual funds have historically delivered around 10–12% p.a. over long periods, but past performance never guarantees future returns. Note the implied CAGR on your total capital is lower than the headline return — in the ₹5,00,000 + ₹10,000/month example at 12%, the implied CAGR is 8.36%, because later SIP instalments compound for less time.
Lumpsum + SIP vs lumpsum alone — which wins?
It depends on the amounts. A ₹5,00,000 lumpsum alone at 12% for 10 years projects ₹15,52,924, while adding ₹10,000/month SIP lifts it to ₹37,93,283. The scenario comparison table above runs all three side by side for your exact inputs.
Is this financial advice?
No. This tool gives educational projections based on the return you assume; actual mutual fund returns vary with market conditions and are not guaranteed. It does not consider taxes, exit loads, or fund expenses. Consult a registered investment adviser before investing.
Related: Compound Interest Calculator
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