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
| Field | What to enter |
|---|---|
| Lump sum investment | Amount in ₹ |
| Monthly SIP | Amount in ₹ |
| Yearly step-up | In % |
| Expected return (p.a.) | In % |
| Time period | In 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 investment | Total value |
|---|---|
| 50,000 | 5,345,550.09 |
| 75,000 | 5,495,445.14 |
| 100,000 | 5,645,340.19 |
| 125,000 | 5,795,235.24 |
| 150,000 | 5,945,130.29 |
| 200,000 | 6,244,920.39 |
Formula
Lump sum value = L × (1 + r)^yearsSIP value (monthly i = r ÷ 12): SIP × ((1 + i)^n − 1) ÷ i × (1 + i)With step-up s: each year's SIP block grows by sWorked 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.
Frequently asked questions
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.