SIP + LUMPSUM
SIP + Lumpsum Calculator
Project returns when combining a one-time lumpsum investment with monthly SIP contributions.
Results
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WHY USE THIS CALCULATOR
Maximize Returns with Combined Investing.
One-Time Investment Amount (₹)
A single upfront investment deployed all at once. A lumpsum benefits from immediate market exposure — the entire amount compounds from day one, unlike a SIP which invests gradually.
Monthly SIP (₹)
The recurring monthly amount you add via SIP. This runs alongside your lumpsum — together they form a combined strategy that balances immediate deployment with rupee-cost averaging.
Expected Rate of Return (% p.a.)
The annualized growth rate applied to both your lumpsum and SIP. The same rate is used for both — in practice, your lumpsum and SIP may be in different instruments with different returns.
Investment Period (Years)
How long both your lumpsum and SIP stay invested. The lumpsum compounds for the full period, while each SIP contribution compounds for the remaining time — longer horizons favor the lumpsum.