Lumpsum + SIP
Combines an initial lumpsum with a monthly SIP on the same assumed return and horizon, which is how many people actually fund a goal: seed money plus a standing instruction.
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How the Lumpsum + SIP works
Combines an initial lumpsum with a monthly SIP on the same assumed return and horizon, which is how many people actually fund a goal: seed money plus a standing instruction.
Formula / method. Total FV = P₀ × (1 + r)^t + SIP future-value of annuity. The screen also splits how much came from the seed versus the instalments.
When to use it. Use it when a bonus and a monthly SIP will sit in the same fund. Comparing this to SIP-only shows whether the seed is doing real work.
How to run a comparison
- Open Lumpsum + SIP from Home search, the Finance Studio hub, or this URL.
- Copy amounts, rates or dates from a document you already have — not a round marketing figure.
- Read the headline result and any breakdown (schedule, slabs, or intermediate rows).
- Change one input at a time so you can see what actually moves the answer.
- Cross-check with a related calculator below, then confirm statutory rates before you act.
Nothing you type is uploaded for server-side processing. Save or screenshot an output if you need it later; we do not keep a server-side history.
Notes and assumptions
Both legs share one return rate. Fees and tax are omitted unless you run Fund Fees on the same numbers.
Results are estimates for education and planning only. They are not financial, tax, medical, or legal advice. Slabs, scheme rates and product terms change; verify against official notifications or a qualified professional before acting.
Related calculators in Finance Studio
- SIP Calculator — Estimate returns from systematic monthly investments.
- Lumpsum Calculator — Calculate future wealth from one-time investments.
- Step-Up SIP Calculator — See growth with annual percentage SIP top-ups.
- SWP Calculator — Plan regular monthly income from mutual fund corpus.
- Mutual Fund Return — Calculate total returns and CAGR for mutual funds.
- Fund Fees Calculator — See how expense ratio fees erode SIP + lumpsum wealth over decades.
Browse the full Finance Studio hub or return to the Calculator Universe home catalog for every tool.
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