SIP + Lumpsum Combined Calculator

Calculate maturity returns when combining a one-time lumpsum investment with monthly SIP payments.

Overview

Projects aggregate investment returns when combining an initial one-time lumpsum deposit with ongoing monthly SIP contributions.

Formula & Calculation Method

Total Corpus = (Lumpsum × (1 + r)^n) + (Monthly SIP Compounding Formula)

Models dual wealth-building strategies: deploying existing savings immediately while maintaining monthly salary investments.

Worked Example: ₹2 Lakh Lumpsum + ₹5,000 Monthly SIP for 10 Years at 12%

Inputs: Lumpsum = ₹2,00,000 | Monthly SIP = ₹5,000 | Return = 12% p.a. | Tenure = 10 Years

  • Lumpsum component growth: ₹2,00,000 × (1.12)^10 = ₹6,21,170
  • SIP component growth: ₹5,000/mo compounding at 12% over 10 years = ₹11,61,695
  • Combined portfolio value = ₹6,21,170 + ₹11,61,695 = ₹17,82,865

Summary: Total Invested = ₹8,00,000 | Lumpsum Growth = ₹6.21 Lakhs | SIP Growth = ₹11.62 Lakhs | Total Corpus = ₹17.83 Lakhs

Common Use Cases

  • Windfall + Salary Deployment: Invest an inheritance or bonus upfront while continuing monthly salary SIPs.
  • Aggressive Goal Funding: Accelerate wealth accumulation for down payments or retirement milestones.
  • Portfolio Consolidation: Model total mutual fund growth across both past savings and ongoing contributions.

Frequently Asked Questions

Should I invest my lumpsum first or start the SIP first?

Starting both simultaneously puts capital to work immediately while building disciplined monthly savings habits.

How does this compare to an STP?

In a combined strategy, the lumpsum goes directly into equity; in an STP, the lumpsum stays in debt and transfers to equity gradually.

What is the tax treatment of the combined portfolio?

Each redemption lot is taxed individually based on whether its holding period exceeds 12 months (LTCG at 12.5% above ₹1.25L exemption).

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