SIP + Lumpsum Calculator
Combine a monthly SIP with a lumpsum investment — each can have its own return rate, and either can grow over time with a step-up SIP or a recurring lumpsum top-up.
Monthly SIP
Lumpsum
Corpus Composition
Total Corpus
$2,633,976
SIP Corpus
$2,323,391 (88%)
Lumpsum Corpus
$310,585 (12%)
Growth Over Time
Yearly Breakdown
| Year | Monthly SIP | Cumulative Invested | Lumpsum Side | SIP Side | End Corpus |
|---|---|---|---|---|---|
| 1 | $10,000 | $220,000 | $112,000 | $128,093 | $240,093 |
| 2 | $10,000 | $340,000 | $125,440 | $272,432 | $397,872 |
| 3 | $10,000 | $460,000 | $140,493 | $435,076 | $575,569 |
| 4 | $10,000 | $580,000 | $157,352 | $618,348 | $775,700 |
| 5 | $10,000 | $700,000 | $176,234 | $824,864 | $1,001,098 |
| 6 | $10,000 | $820,000 | $197,382 | $1,057,570 | $1,254,953 |
| 7 | $10,000 | $940,000 | $221,068 | $1,319,790 | $1,540,858 |
| 8 | $10,000 | $1,060,000 | $247,596 | $1,615,266 | $1,862,862 |
| 9 | $10,000 | $1,180,000 | $277,308 | $1,948,215 | $2,225,523 |
| 10 | $10,000 | $1,300,000 | $310,585 | $2,323,391 | $2,633,976 |
Frequently Asked Questions
How the Numbers Are Calculated
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
- Step-up SIP increases the monthly contribution by the step-up percentage at the start of each subsequent year.
- Additional Lumpsum adds the top-up amount to the lumpsum leg on the chosen recurring schedule, before compounding continues for that month.
- Estimated Returns = Total Value − Invested Amount; all figures are rounded only at the point they are displayed.