Finance · Free tool
Lumpsum + SIP Combo
Have some savings already and a monthly surplus? Combine both into one plan and see the combined maturity at your target year.
How the projection works
Lumpsum compounds via FV = P(1+r/n)^(n·t). Monthly SIP grows as FV = P × [((1+i)^n − 1) / i] × (1+i), where i is monthly rate. We add the two future values to give a combined corpus. Equity mutual fund returns are assumed at 12% CAGR (close to the 20-year Nifty TRI median); use 10% for a conservative case, 7% for hybrid funds, 6.5% for debt.
Worked example
Investing ₹5,00,000 lumpsum + ₹20,000/month SIP for 15 years at 12% CAGR — lumpsum grows to ₹27.4 lakh, SIP corpus reaches ₹1.01 crore, combined maturity ≈ ₹1.28 crore. Pure SIP alone for the same 15 years would have hit ₹1.01 cr, so the upfront ₹5L “buys” an extra ₹27L — the lumpsum's 15-year compounding head start. Bigger lumpsums benefit more: ₹15L upfront on the same SIP nudges maturity to ₹1.83 cr.
When to use this
- Joining-bonus / Diwali bonus invested as lumpsum, paired with the monthly SIP you already run
- Inheritance or property sale proceeds being layered on top of a goal SIP for college fees
- EPF maturity at job change being redeployed into equity along with ongoing contributions
For a pure systematic plan see the SIP Calculator; for lumpsum-only goals use any compound interest projection. Read SIP vs lump sum to decide whether to deploy the lumpsum at once or stagger via STP.
FAQ
Should I deploy my lumpsum all at once or stagger over months?
Mathematically, lumpsum-at-start beats staggered deployment ~70% of the time over long horizons (markets trend up). Emotionally, staggering (STP) feels safer in volatile markets. For 10+ year horizons, lumpsum-at-start is usually the right call.
Can the SIP and lumpsum be in different funds?
Yes, totally normal. This calculator assumes the same return rate for both, but if you deploy the lumpsum in a debt fund (lower return) and SIP in equity, the maturity will differ from this output.
What return rate should I use?
For pure equity SIP+lumpsum: 11-12% as base case, 8% as downside. For balanced/hybrid: 9-10%. For debt: 6-7%.