SIP Lumpsum Calculator
A one-time investment and a monthly SIP, together.
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This SIP lumpsum calculator combines a one-time investment with a monthly SIP in the same fund. Enter your starting lumpsum, your monthly SIP, the expected return and the period, and see the total value, your total investment, the gains and how much of the final corpus comes from each part. You can also add a yearly SIP step-up.
What is a SIP Lumpsum Calculator?
Many investors have two sources of money: some savings they can invest now, and part of their monthly income. A SIP plus lumpsum plan uses both. The lumpsum gets the full benefit of time in the market, while the SIP keeps adding money each month.
Most online calculators handle only one of these at a time, so you have to run two calculations and add them up. This SIP lumpsum calculator does it in one step and shows how much each part contributes, which helps you decide how to split your money.
How does the SIP Lumpsum Calculator work?
The lumpsum is compounded monthly at the expected return for the full period. The SIP is simulated month by month, with each instalment added at the start of the month. If you set a step-up, the SIP rises once a year.
The two values are added for the total, and the year-by-year table shows both parts side by side.
How to use the SIP Lumpsum Calculator step by step
- Enter your one-time lumpsum; enter 0 if you have none.
- Enter your monthly SIP.
- Enter the expected return and the period.
- Optionally add a yearly step-up for the SIP.
- Read the total value and the split between lumpsum and SIP.
- Check the table to see each part year by year.
SIP Lumpsum Calculator example with real numbers
You have ₹1,00,000 in savings to invest now, and you can also invest ₹5,000 every month for 10 years. You expect a 12% yearly return.
| Example input | Value |
|---|---|
| One-time lumpsum | ₹1,00,000 |
| Monthly SIP | ₹5,000 |
| Expected annual return | 12% |
| Investment period | 10 years |
| Yearly SIP step-up (optional) | 0% |
| Example output | Value |
|---|---|
| Total value after 10 years | ₹14,91,734 |
| Total invested | ₹7,00,000 |
| Estimated gains | ₹7,91,734 |
| Value from lumpsum | ₹3,30,039 |
| Value from SIP | ₹11,61,695 |
| Lumpsum share of final value | 22.1% |
The SIP lumpsum calculator estimates a total of ₹14,91,734: ₹3,30,039 from the lumpsum and ₹11,61,695 from the SIP. You invest ₹7,00,000 in all, so the gains are ₹7,91,734.
Key features of this SIP Lumpsum Calculator
- Lumpsum and SIP in one calculation
- Separate value for each part
- Optional yearly SIP step-up
- Year-by-year table with both parts
- Three-part bar: lumpsum, SIP and gains
Who should use the SIP Lumpsum Calculator?
Who is this SIP Lumpsum Calculator for?
- Investors with existing savings and a monthly budget
- People who received a bonus and also run a SIP
- First-time investors moving money from an FD into funds
- Planners building a combined strategy for clients
Practical use cases
- Starting a SIP with an initial investment
- Seeing how much a ₹1 lakh lumpsum adds to a SIP plan
- Comparing different splits of the same budget
- Projecting a combined plan for a 10-year goal
Key benefits
- One calculation: no need to add two results by hand.
- Clear split: see what each part contributes.
- Flexible: works for lumpsum only, SIP only or both.
- Step-up ready: include yearly SIP increases.
Tips for better results
- If the lumpsum is large and markets look stretched, consider moving it in through an STP over several months.
- Keep your emergency fund separate; do not invest it as the lumpsum.
- Add a step-up to keep pace with income growth.
- Review the split once a year.
Common mistakes to avoid
- Investing the emergency fund as a lumpsum.
- Assuming the lumpsum and SIP must go into the same fund; they can be different.
- Ignoring tax when moving money from an FD.
- Expecting a fixed return from equity funds.
Limitations of this SIP Lumpsum Calculator
- It assumes both parts earn the same constant return.
- It compounds monthly; some calculators compound the lumpsum yearly, giving a slightly lower figure.
- Taxes and exit loads are not included.
SIP Lumpsum Calculator vs other ways to calculate
| Calculator | Lumpsum | Monthly SIP | Step-up |
|---|---|---|---|
| Qorico SIP lumpsum calculator | Yes | Yes | Yes |
| SIP calculator | No | Yes | No |
| Lumpsum calculator | Yes | No | No |
| Step-up SIP calculator | No | Yes | Yes |
You can get the same total by running the lumpsum calculator and the SIP calculator separately and adding them (with small differences if one compounds yearly). This page saves that step.
Privacy and data handling
This SIP Lumpsum Calculator runs entirely in your browser. The numbers you type are not sent to Qorico or stored on any server, and nothing is saved after you close the page. The Copy and Download buttons create the result on your own device. If the page has analytics turned on, it may count that a calculation happened, but it does not record the values you entered.
SIP Lumpsum Calculator FAQs
Can I start a SIP with an initial lumpsum?
Yes. You can make a lumpsum purchase in a fund and register a SIP in the same folio. Many platforms let you do both at once.
How is the combined SIP and lumpsum return calculated?
The lumpsum is compounded for the full period and the SIP is calculated with the future value of an annuity. The two results are added.
Which is better: SIP, lumpsum or both?
Using both lets your savings work immediately while your income keeps adding money. A SIP alone reduces timing risk; a lumpsum alone suits long horizons.
Can I add a lumpsum to an existing SIP folio?
Yes. Additional purchases can usually be made in the same folio at any time.
What is ₹1 lakh plus ₹5,000 a month worth after 10 years at 12%?
About ₹14.9 lakh: roughly ₹3.3 lakh from the lumpsum and ₹11.6 lakh from the SIP, against ₹7 lakh invested.
How are the gains taxed?
Each purchase, including every SIP instalment, has its own holding period. For equity mutual funds, gains on units held for more than 12 months are taxed at 12.5% on total long-term gains above ₹1.25 lakh in a financial year; gains on units held for 12 months or less are taxed at 20%.
Related tools
Sources and references
We checked the method and the current figures used in this SIP Lumpsum Calculator against these official and primary sources:
- AMFI: Association of Mutual Funds in India
- Mutual Funds Sahi Hai: AMFI investor education
- SEBI Investor Website
Written and reviewed by the Qorico Team
