Lumpsum Plus SIP Calculator
Calculate investment returns combining lumpsum and systematic investment plans (SIP)
Investment Calculator
One-time investment amount
Target investment value
Annual return percentage
Investment duration in years
SIP (Systematic Investment Plan) Details
Regular investment amount
Investment frequency
When SIP is invested
Advanced Options
Annual inflation percentage
How often interest compounds
Investment Results
Lumpsum Component
SIP Component
Inflation Adjusted Value
Future value in today's purchasing power: ₹1,47,080
Adjusted for 6% annual inflation over 10 years
Investment Analysis
Example Calculation
Retirement Planning Example
Initial Lumpsum: ₹5,00,000 (bonus/inheritance)
Monthly SIP: ₹15,000 for 20 years
Expected Return: 12% annually
Investment Period: 20 years
Projected Results
Total Invested: ₹41,00,000 (₹5,00,000 + ₹36,00,000)
Lumpsum Value: ₹48,23,173
SIP Value: ₹1,32,29,058
Total Value: ₹1,80,52,231
Total Gains: ₹1,39,52,231
SIP vs Lumpsum Comparison
Lumpsum Investment
- • One-time large investment
- • Market timing matters
- • Higher risk, higher potential return
- • Good for windfall money
SIP Investment
- • Regular periodic investments
- • Rupee cost averaging
- • Lower risk, disciplined approach
- • Good for salary earners
Investment Tips
Combine both strategies for balanced growth
Start SIP early to benefit from compounding
Use lumpsum during market corrections
Consider inflation while planning
Review and adjust annually
Risk Considerations
Past performance doesn't guarantee future returns
Market volatility can impact short-term returns
Consider exit load and expense ratios
Inflation erodes purchasing power
Understanding Lumpsum + SIP Investment
What is Lumpsum + SIP?
Lumpsum + SIP is a hybrid investment strategy that combines the benefits of both one-time large investments (lumpsum) and regular periodic investments (SIP). This approach allows investors to optimize their returns while managing risk through diversification.
Key Benefits
- •Balanced risk and return profile
- •Rupee cost averaging through SIP
- •Immediate market exposure through lumpsum
- •Disciplined long-term wealth creation
Calculation Formulas
Lumpsum Future Value:
FV = PV × (1 + r)^n
SIP Future Value:
FV = PMT × [((1 + r)^n - 1) / r]
- FV: Future Value
- PV: Present Value (Lumpsum)
- PMT: Periodic Payment (SIP)
- r: Periodic Interest Rate
- n: Number of Periods
When to Use This Strategy?
Use Lumpsum When:
- • You receive a bonus or windfall
- • Market is at attractive levels
- • You have surplus funds available
- • Interest rates are falling
Use SIP When:
- • Regular income available
- • Market timing is uncertain
- • Building long-term wealth
- • Risk appetite is moderate