Lump Sum + SIP Calculator — Combined Investment Returns
Calculate the future value when you invest a one-time lump sum and also make regular monthly SIP contributions. See how the two strategies combine to build your corpus, and how much of your final value comes from investment vs returns.
%
years
Combined lump sum + SIP future value (monthly compounding)
1,491,734
TotalLump sum invested
6.7%
SIP invested
40.2%
Returns
53.1%
- 1
Monthly rate
12% ÷ 1200 = 0.01 - 2
Lump sum future value
100,000 × (1 + 0.01)^120 = 330,039 - 3
SIP future value
5,000 × [(1+0.01)^120 − 1] ÷ 0.01 × (1+0.01) = 1,161,695Annuity-due formula: each SIP instalment is invested at the start of the month. - 4
Total corpus
330,039 + 1,161,695 = 1,491,734
How does this calculator work?
Total corpus = lump sum FV + SIP FV, where FV_lump = P(1+r_m)^N and FV_sip = SIP[(1+r_m)^N−1]/r_m×(1+r_m), with r_m = r/1200. At 12% over 10 years, ₹1 lakh lump sum + ₹5 000/month SIP grows to roughly ₹15 lakh total (₹7 lakh returns). The donut chart shows invested capital vs returns.
Formula
How this is calculated
A lump sum + SIP strategy combines the advantages of both approaches. The lump sum is fully invested from day one, earning compounding returns over the entire period: FV_lump = P × (1 + r_m)^N where r_m = r/1200 and N = 12n months. The SIP contributions are added each month and each instalment compounds for the remaining time: FV_sip = SIP × [(1 + r_m)^N − 1] / r_m × (1 + r_m), which is the standard future-value-of-an-annuity-due formula.
The total corpus is simply FV_lump + FV_sip. The donut chart breaks it into three parts — lump sum invested, SIP invested, and total returns — so you can see immediately how much of your wealth came from capital vs growth. At 12% over 10 years, returns typically account for 40–60% of the total, rising steeply with longer periods.
This model assumes a constant annual return (CAGR) and monthly compounding, which is standard for mutual fund projections. Real returns fluctuate; expense ratios (0.5–1.5% p.a.) and capital gains tax (10% LTCG above ₹1 lakh in India) will reduce the actual outcome. Setting either amount to zero turns the calculator into a pure lump sum or pure SIP calculator.
Frequently asked questions
A lump sum immediately deploys all available capital, maximising the time it has to compound. A SIP then adds to the investment from regular income, benefiting from rupee-cost averaging. Together they suit investors who have an initial savings pool and also earn ongoing income — the lump sum works for you from day one while the SIP steadily builds the corpus month by month.
Each SIP instalment earns returns from the time it is invested to the end of the period. The standard annuity-due formula sums all these: FV = SIP × [(1+r_m)^N − 1] / r_m × (1+r_m). The "× (1+r_m)" at the end assumes the SIP is invested at the beginning of each month (beginning-of-period annuity); removing it gives an end-of-period (ordinary annuity) result, which is slightly lower.
Diversified equity mutual funds in India have historically returned 10–15% CAGR over 10-year periods, though with significant year-to-year volatility. A conservative long-term planning rate of 10–12% is reasonable; use 8–9% for debt/hybrid funds. These are estimates, not guarantees — always model a range of rates to understand downside scenarios.
Also known as
TG we-Calculate Editorial Team. (2026). Lump Sum + SIP Calculator — Combined Investment Returns [Online calculator]. TG we-Calculate. https://we-calculate.com/calculator/lumpsum-plus-sip-calculator
TG we-Calculate Editorial Team. "Lump Sum + SIP Calculator — Combined Investment Returns." TG we-Calculate. 2026. https://we-calculate.com/calculator/lumpsum-plus-sip-calculator.
TG we-Calculate Editorial Team, "Lump Sum + SIP Calculator — Combined Investment Returns," TG we-Calculate, 2026. [Online]. Available: https://we-calculate.com/calculator/lumpsum-plus-sip-calculator
@misc{wecalculate_lumpsum_plus_sip_calculator, title = {Lump Sum + SIP Calculator — Combined Investment Returns}, author = {{TG we-Calculate Editorial Team}}, howpublished = {\url{https://we-calculate.com/calculator/lumpsum-plus-sip-calculator}}, year = {2026}, note = {TG we-Calculate} }
Did this calculator help you?