SIP + Lumpsum Calculator

Your details

One-time amount invested at the start. Set to 0 for a pure SIP calculation.
Amount added every month via SIP. Set to 0 for a pure lumpsum calculation.
Projected annual return rate. Indian large-cap equity funds have historically averaged 12-14% over long horizons, but past performance does not guarantee future returns.
%
Total number of years you plan to stay invested.
years
Percentage by which your monthly SIP increases each year. 10% means a SIP of 5,000 in year 1 becomes 5,500 in year 2, 6,050 in year 3, and so on. Set to 0 to keep the SIP flat.
%
Currency
Total corpusModerate growth
₹1,929,671

Lumpsum growth + SIP accumulation at the end of the term

Total invested₹1,056,245
Total returns₹873,425
Lumpsum grows to₹310,585
SIP accumulates to₹1,619,086
Absolute return82.7%
CAGR (lumpsum equivalent)12%
Lumpsum grows to₹310,585
SIP accumulates to₹1,619,086

Your projected corpus is 19.30 L.

  • Your total invested capital is 10.56 L, which grows to 19.30 L at 12% per year over 10 years.
  • You earn 8.73 L in returns, an absolute gain of 82.7% on your investment.
  • The lumpsum contributes 16% of your final corpus, while SIP contributions build the rest.
  • The 10% annual step-up significantly boosts your SIP corpus compared to a flat SIP of the same starting amount.

Next stepConsider reviewing your portfolio allocation annually and increasing your SIP with each salary hike to stay on track for your goal.

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