SIP Calculator + Lumpsum
Print| Total Out-of-Pocket Invested | $0 |
| Estimated Wealth Gain | $0 |
The SIP Calculator + Lumpsum is an advanced financial planning tool designed for mutual fund investors who combine periodic monthly contributions (Systematic Investment Plans) with occasional one-time lump-sum deposits. Combining SIPs and lump-sum investments allows investors to average purchase costs over time while deploying windfall capital (such as bonuses or tax refunds) into high-growth equity assets.
Whether building a retirement portfolio, saving for a home down payment, or funding long-term wealth goals, this calculator projects total combined maturity value and total compound interest earned.
The Combined SIP + Lumpsum Calculation Formula
Total future wealth is derived by summing the independent compound growth of both the Lumpsum deposit and the monthly SIP stream:
Total Future Value = Lumpsum Maturity Value + Monthly SIP Maturity Value
1. Lumpsum Growth Formula
FV_Lumpsum = P * (1 + r)^n
2. Monthly SIP Growth Formula
FV_SIP = P_sip * [((1 + i)^k - 1) / i] * (1 + i)
Where:
- P: One-time initial Lumpsum deposit amount.
- P_sip: Regular monthly SIP contribution amount.
- r / i: Expected Annual Rate of Return (CAGR) / Monthly Interest Rate (
Annual CAGR / 12 / 100). - n / k: Investment Horizon in Years / Total Months (
Years * 12).
SIP + Lumpsum Portfolio Growth Benchmark Table
The table below displays combined future maturity values for a portfolio starting with a ₹100,000 Initial Lumpsum plus a ₹10,000 Monthly SIP at an expected 12.0% Annual CAGR:
| Horizon (Years) | Total Outflow (Lumpsum + SIP) | Lumpsum Portion Value (₹) | SIP Portion Value (₹) | Total Combined Maturity (₹) |
|---|---|---|---|---|
| 5 Years | ₹700,000 | ₹176,234 | ₹824,864 | ₹1,001,098 (10.0 Lakhs) |
| 10 Years | ₹1,300,000 | ₹310,585 | ₹2,323,391 | ₹2,633,976 (26.3 Lakhs) |
| 15 Years | ₹1,900,000 | ₹547,357 | ₹5,045,830 | ₹5,593,187 (55.9 Lakhs) |
| 20 Years | ₹2,500,000 | ₹964,629 | ₹9,991,479 | ₹10,956,108 (1.09 Cr) |
Step-by-Step Combined Investment Calculation Example
An investor deposits an initial ₹200,000 Lumpsum into an equity fund and simultaneously sets up a monthly ₹5,000 SIP for 10 years (120 months) at an expected CAGR of 12.0%.
Step 1: Calculate Lumpsum Portion Growth
FV_Lumpsum = ₹200,000 * (1 + 0.12)^10 = ₹200,000 * 3.10585 = ₹621,170
Step 2: Calculate SIP Portion Growth
Monthly rate i = 12 / 12 / 100 = 0.01
FV_SIP = 5,000 * [((1 + 0.01)^120 - 1) / 0.01] * (1 + 0.01) = ₹1,161,696
Step 3: Combine Both Portions
Total Outflow = ₹200,000 (Lumpsum) + (₹5,000 * 120) = ₹800,000
Total Future Maturity = ₹621,170 + ₹1,161,696 = ₹1,782,866
Result: Total investment of ₹8.0 Lakhs yields a combined wealth maturity of ₹17.83 Lakhs, generating ₹9.83 Lakhs in compound capital gains.
Frequently Asked Questions
Is it better to invest via SIP or Lumpsum during market highs?
During market highs, initiating a monthly SIP is generally safer because rupee cost averaging mitigates market volatility. However, if you hold lump-sum funds, you can invest via a Systematic Transfer Plan (STP)—depositing the lump sum into a liquid fund and transferring fixed amounts into equity funds monthly.
Can I add additional lump-sum amounts to an existing SIP mutual fund folio?
Yes. You can make lump-sum top-up investments into an existing mutual fund folio at any time without disturbing your active monthly SIP instructions.
How are long-term capital gains taxed on combined mutual fund investments?
For equity mutual funds held longer than 12 months, Long-Term Capital Gains (LTCG) exceeding ₹1.25 Lakhs per financial year are taxed at 12.5% without indexation benefits.
What is the minimum amount required to start a SIP or Lumpsum?
Most mutual fund houses accept monthly SIPs starting from as low as ₹100 to ₹500, while initial Lumpsum purchases typically require a minimum of ₹1,000 to ₹5,000.