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SIP + Lumpsum Calculator

Result

Show formula & working

Value = Lumpsum × (1 + r)ⁿ + SIP × ((1 + r)ⁿ − 1) ÷ r × (1 + r)

r = assumed annual return ÷ 12; SIPs are taken as invested at the start of each month, as in the Goal SIP calculator.

Many plans combine savings already in hand with monthly investing. The two grow side by side.

The lumpsum benefits most from time; the SIP keeps adding as income comes in.

Should the lumpsum go in at once?

Some investors spread a large lumpsum over a few months using an STP to reduce timing risk.

Can I change the SIP later?

Yes — see the Step-up SIP calculator for rising SIPs.

Turn these numbers into a decision that fits your situation.

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