# SIP + Lumpsum Calculator

URL: https://speedycalculator.com/calculators/finance/sip-lumpsum/
Last updated: 2026-10-25

> The SIP + lumpsum calculator works out the future value of an initial lump sum plus a monthly SIP with an optional yearly step-up – the total invested, wealth gained and the final value.

## Inputs

- Lump sum investment
- Monthly SIP
- Yearly step-up (%)
- Expected return (p.a.) (%)
- Time period (years)

## Results

- SIP value
- Lump sum value
- Total value
- Total invested
- Wealth gained

## Formula

```
Lump sum value = L × (1 + r)^years
SIP value (monthly i = r ÷ 12): SIP × ((1 + i)^n − 1) ÷ i × (1 + i)
With step-up s: each year's SIP block grows by s
```

## Explanation

Combining a lump sum with a regular SIP lets you invest a bonus or savings now while continuing to invest monthly. A yearly step-up of 10% can nearly double the final value over 20 years.

### How to use the SIP + Lumpsum Calculator

- **Lump sum investment**
- **Monthly SIP**
- **Yearly step-up**
- **Expected return (p.a.)**
- **Time period**

Results update as you type, and every field accepts the units shown in its menu.

### How it works

Enter the lump sum, monthly SIP, yearly step-up, expected return and period.

### Tips

- Figures use the latest published rates; government scheme rates are revised every quarter.
- Choose between the old and new tax regimes carefully – deductions only count in the old regime.
- Keep proofs of investments and rent for your employer and the tax return.
- Use the official portal of each scheme for exact maturity values.

### Common mistakes to avoid

- Assuming scheme interest rates are fixed for the whole term.
- Forgetting tax on interest from fixed and recurring deposits.
- Missing the yearly minimum deposit on PPF or Sukanya Samriddhi accounts.

### Inputs explained

FieldWhat to enterLump sum investmentAmount in ₹Monthly SIPAmount in ₹Yearly step-upIn %Expected return (p.a.)In %Time periodIn years

### What each result means

- **SIP value** = [Monthly SIP]×[Value of one year of SIPs at year end]×gfv((1 + [Expected return (p.a.)]÷1200)^12 - 1, [Time period], 1, [Yearly step-up]÷100, 0)
- **Lump sum value** = [Lump sum investment]×(1 + [Expected return (p.a.)]÷1200)^(12×[Time period])
- **Total value** = [SIP value] + [Lump sum value]
- **Wealth gained** = [Total value] - [Total invested]

### Example values

How the main result changes when **Lump sum investment** changes and everything else stays at the example values above:

Lump sum investmentTotal value50,0005,345,550.0975,0005,495,445.14100,0005,645,340.19125,0005,795,235.24150,0005,945,130.29200,0006,244,920.39

## Worked example

Inputs — Lump sum investment: ₹100,000; Monthly SIP: ₹10,000; Yearly step-up: 0 %; Expected return (p.a.): 12 %; Time period: 15 years.

Results — SIP value = ₹5,045,760.00; Lump sum value = ₹599,580.20; **Total value = ₹5,645,340.19**; Total invested = ₹1,900,000.00; Wealth gained = ₹3,745,340.19.

## FAQ

**How does SIP + lumpsum work?**
You invest a one-time amount plus a fixed amount every month.

**What is a step-up SIP?**
A SIP that increases by a set percentage each year.

**Is the return guaranteed?**
No – mutual fund returns depend on the market.

**What formula does the SIP + Lumpsum Calculator use?**
Lump sum value = L × (1 + r)^years.