SIP + Lumpsum Calculator

Model a blended strategy where you start with an initial investment and keep adding monthly SIP contributions to build a larger corpus.

Start with capital. Keep compounding monthly.

The amount you deploy at the start.

The monthly amount you keep adding.

Total duration for both the initial amount and SIP.

1%12% p.a.20%

Assumes annual compounding for lumpsum and monthly SIP contributions at the start of each month.

Calculation Assumptions

Results can differ across apps when compounding or contribution timing assumptions change.

  • Lumpsum portion uses annual compounding: FV = P × (1 + r)^n.
  • SIP portion uses monthly compounding with start-of-month contributions.
  • Combined result is the sum of individual lumpsum and SIP maturity values.