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Grinding the numbersCompounding your returnsBrewing your plan
Combine a starting lumpsum with a monthly SIP, each with its own return rate, and add a yearly step-up or regular lumpsum top-ups.
Total Corpus
₹26,33,976
SIP Corpus
₹23,23,391 (88%)
Lumpsum Corpus
₹3,10,585 (12%)
Press play or drag the slider to watch your lumpsum pour into the fund on day one, then your monthly SIP flow in beside it, year by year.
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SIP Corpus
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Lumpsum Corpus
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Invested
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Returns
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Day one: your ₹1,00,000 lumpsum pours into the fund in one go. From the first month, your ₹10,000/month SIP starts flowing in right behind it. Press play to watch both grow.
| Year | Monthly SIP | Cumulative Invested | Lumpsum Side | SIP Side | End Corpus |
|---|---|---|---|---|---|
| 1 | ₹10,000 | ₹2,20,000 | ₹1,12,000 | ₹1,28,093 | ₹2,40,093 |
| 2 | ₹10,000 | ₹3,40,000 | ₹1,25,440 | ₹2,72,432 | ₹3,97,872 |
| 3 | ₹10,000 | ₹4,60,000 | ₹1,40,493 | ₹4,35,076 | ₹5,75,569 |
| 4 | ₹10,000 | ₹5,80,000 | ₹1,57,352 | ₹6,18,348 | ₹7,75,700 |
| 5 | ₹10,000 | ₹7,00,000 | ₹1,76,234 | ₹8,24,864 | ₹10,01,098 |
| 6 | ₹10,000 | ₹8,20,000 | ₹1,97,382 | ₹10,57,570 | ₹12,54,953 |
| 7 | ₹10,000 | ₹9,40,000 | ₹2,21,068 | ₹13,19,790 | ₹15,40,858 |
| 8 | ₹10,000 | ₹10,60,000 | ₹2,47,596 | ₹16,15,266 | ₹18,62,862 |
| 9 | ₹10,000 | ₹11,80,000 | ₹2,77,308 | ₹19,48,215 | ₹22,25,523 |
| 10 | ₹10,000 | ₹13,00,000 | ₹3,10,585 | ₹23,23,391 | ₹26,33,976 |
A SIP + lumpsum plan combines two ways of investing towards the same goal: a one-time amount you invest today, and a fixed amount you keep investing every month. Most people's money arrives in exactly this shape — a salary that leaves something over each month, plus occasional larger sums such as savings, a bonus or sale proceeds.
The two legs play different roles. The lumpsum gets the longest possible time in the market, so it does most of its growing on its own. The SIP builds the habit, spreads your purchases across many market prices and keeps adding fresh money from income.
Looking at them together answers the question that matters: where your total wealth is likely to be by a given year, and how much of it each leg contributes. Two separate calculations can't show that combined picture as clearly.
The monthly SIP that reaches every 1,000,000 of target at a 12% return, depending on how much of the target you invest as a lumpsum on day one:
| Years | No lumpsum | Lumpsum 5% of target | Lumpsum 10% of target |
|---|---|---|---|
| 10 years | 4,304 | 3,636 | 2,967 |
| 15 years | 1,982 | 1,439 | 897 |
| 20 years | 1,001 | 518 | 35 |
Over 20 years, a lumpsum of 10% of the target almost reaches it on its own, because it grows about 9.6 times.
This assumes both legs earn the same return; if the lumpsum sits in a deposit or debt fund, give it its own lower rate above. For a lumpsum on its own, use the Lumpsum Calculator; for a target with a deadline, the Goal Calculator.
Take a base case of a monthly SIP alongside a one-time lumpsum, both assumed to earn 12% a year for 15 years. The first row of the table below is that base case; the next two show each leg on its own, and each row after that changes just one thing. Every figure is calculated with the same formula this calculator uses.
| Scenario | Invested | Est. Returns | Total Value |
|---|---|---|---|
| ₹10,000/month SIP + ₹5,00,000 lumpsum · 12% · 15 years (base case) | ₹23,00,000 | ₹54,82,543 | ₹77,82,543 |
| SIP only — ₹10,000/month, no lumpsum | ₹18,00,000 | ₹32,45,760 | ₹50,45,760 |
| Lumpsum only — ₹5,00,000, no SIP | ₹5,00,000 | ₹22,36,783 | ₹27,36,783 |
| Base case with a 10% annual SIP step-up | ₹43,12,698 | ₹71,07,935 | ₹1,14,20,632 |
| Base case plus ₹50,000 added to the lumpsum every year | ₹30,50,000 | ₹66,14,216 | ₹96,64,216 |
| Base case with the lumpsum earning 7% instead of 12% | ₹23,00,000 | ₹41,25,276 | ₹64,25,276 |
| Base case, continued for 20 years | ₹29,00,000 | ₹1,19,14,626 | ₹1,48,14,626 |
The lumpsum makes up only about a fifth of the money invested, yet it ends up as roughly a third of the final value — because it compounds for the full 15 years, while each SIP installment is invested for less time.
A 10% yearly step-up lifts the final value by nearly half, but it also almost doubles what you put in, so compare the returns column as well as the total.
Adding a yearly top-up to the lumpsum raises the final value by about a quarter.
If the lumpsum is parked somewhere earning 7% instead of 12%, its own value roughly halves and the combined total falls by about a sixth — a reason to decide deliberately where the lumpsum goes.
Staying invested for five more years almost doubles the final value while adding only about a quarter more money. As with any compounding plan, time is the strongest lever.
Each approach has its place. The combined plan simply uses both kinds of money you're likely to have.
| Aspect | SIP only | Lumpsum only | SIP + lumpsum |
|---|---|---|---|
| Money needed | A regular monthly amount | A large sum up front | Some savings now plus a monthly amount |
| Time in the market | Builds gradually | Maximum from day one | Savings compound from day one; new money keeps arriving |
| Exposure to a fall soon after starting | Low | High — everything enters at one price | Moderate — depends on how large the lumpsum is |
| Keeps investing from income | Yes | No | Yes |
| Suits | Salaried investors starting from scratch | A windfall and no regular surplus | Most people, who have both savings and a monthly surplus |
To look at either leg on its own, use the SIP Calculator or the Lumpsum Calculator.
A lot, because the lumpsum compounds for the whole period. To reach 10 million (1 crore) in 15 years at 12%:
Start with 1,500,000 and the SIP falls to about 3,500: the lumpsum alone grows to about 8.2 million.
Each leg grows on its own, and the totals add up. For 10,000 a month plus a 500,000 lumpsum, both at 12% for 15 years:
The lumpsum is about a fifth of the money invested, but more than a third of the final value.
If you already have savings to invest as a lumpsum but also want to keep investing from your monthly income, combining both in one plan shows the true total corpus and how much each leg contributes to it — something two separate calculators can't show together.
Yes. Each leg has its own expected annual return rate, since a SIP and a lumpsum are often invested in different funds or asset allocations.
It lets you top up the lumpsum leg with a recurring amount — quarterly, half-yearly, yearly, or every two years — on top of the initial lumpsum, useful for modelling bonuses or periodic surplus you plan to invest.
The SIP leg and lumpsum leg are simulated independently, each compounding monthly at its own rate, and their values are added together every year. See "How the Numbers Are Calculated" below for the exact formulas.
No. It assumes constant annual returns for both legs across the entire tenure, which real markets never deliver. Treat the result as a planning estimate, not a guarantee.
Yes, as an approximation. Keep your regular monthly SIP running, and use "Additional Lumpsum" to model the extra money you plan to invest when the market dips — for example, a yearly top-up if you expect to buy a dip about once a year. The calculator does not predict when dips happen or model the lower prices you buy at; it assumes the same return rate for every contribution, so treat the result as a rough planning estimate for a SIP + buy-on-dip plan.
Start with what you have rather than a formula. Savings that are already sitting idle and aren't needed in the next few years can go in as the lumpsum; the SIP amount should be what your monthly budget can sustain comfortably after expenses, loan payments and your emergency fund. Use this calculator to check whether that combination reaches your goal — and the Goal Calculator if you want to work backwards from a target.
Not necessarily. Many investors put the lumpsum into a steadier hybrid or debt fund and keep the SIP in equity, or the reverse. What matters is that the two together match the asset mix your goal and risk tolerance call for. That's why this calculator gives each leg its own expected return rate.
If markets rise over your horizon, investing the lumpsum now usually ends ahead, because all of it compounds from day one. If a fall soon after investing would unsettle you, you can move it into equity gradually over 6–12 months — for example through a systematic transfer plan (STP) from a liquid fund — while your regular SIP carries on as usual.
No. Step-up only raises the monthly SIP contribution at the start of each new year. To grow the lumpsum leg over time, switch on Additional Lumpsum and choose how much to add and how often.
The SIP leg and the lumpsum leg are simulated independently, each compounding monthly at its own expected return rate, then added together to get the total corpus.
The SIP leg compounds each monthly contribution (invested at the start of the month, optionally stepped up yearly) at the nominal monthly rate implied by its annual return. The lumpsum leg compounds the initial amount — plus any recurring top-ups — at the monthly rate equivalent to its annual return, so with no top-ups it reduces to the standard lumpsum formula.
SIP leg monthly rate
i(sip) = SIP annual return ÷ 12
Lumpsum leg monthly rate
i(lumpsum) = (1 + lumpsum annual return)^(1/12) − 1
Total Value
Total Value = SIP leg value + Lumpsum leg value
SIPCafe's calculators and guides are for education and planning only and are not investment, tax or legal advice. Results are estimates based on the assumptions you enter; actual returns vary and are not guaranteed. Consider speaking with a qualified financial adviser before making investment decisions. SIPCafe is not a registered investment adviser and does not recommend any specific security, fund or scheme. All investments carry market risk; read a fund's or scheme's official documents carefully before investing.