💰 SIP + Lumpsum Calculator
Calculate returns on combined SIP and lumpsum investments
Leave blank if not applicable
One-time investment, leave blank if not applicable
How to Use This Calculator
Enter SIP Amount (Optional)
Input your monthly SIP investment amount, or leave blank if not applicable.
Enter Lumpsum Amount (Optional)
Input your one-time lumpsum investment amount, or leave blank if not applicable.
Enter Return Rate and Period
Input expected annual return rate and investment period in years.
Review Results
See the combined future value, total invested, and gains from both SIP and lumpsum investments.
Formula
SIP Future Value:
FV = P × [((1 + r)^n - 1) / r] × (1 + r)
Lumpsum Future Value:
FV = P × (1 + r)^n
Where P = Amount, r = Monthly/Annual Rate, n = Period
About SIP + Lumpsum Calculator
The SIP + Lumpsum Calculator calculates returns on combined Systematic Investment Plan (SIP) and lumpsum investments. This calculator helps investors who use both SIP (regular monthly investments) and lumpsum (one-time investments) strategies to understand the combined returns and total future value of their investments.
SIP involves investing a fixed amount regularly (typically monthly), while lumpsum involves investing a large amount at once. Combining both strategies can help diversify investments and optimize returns. This calculator shows the combined future value and gains from both investment methods.
When to Use This Calculator
- Combined Investment Planning: Calculate returns on combined SIP and lumpsum investments
- Investment Strategy: Plan investment strategy using both SIP and lumpsum
- Goal Planning: Estimate combined returns for financial goals
Why Use Our Calculator?
- ✅ Accurate Calculations: Uses SIP and lumpsum formulas
- ✅ Flexible: Calculate with SIP only, lumpsum only, or both
- ✅ Easy to Use: Simple interface for quick calculations
Frequently Asked Questions
What is the difference between SIP and lumpsum?
SIP (Systematic Investment Plan) involves regular monthly investments, while lumpsum involves investing a large amount at once. SIP helps in rupee cost averaging, while lumpsum allows immediate full investment.
Can I calculate only SIP or only lumpsum?
Yes, you can enter only SIP amount (leave lumpsum blank) or only lumpsum amount (leave SIP blank) to calculate returns for that investment type alone.