What is a Lump Sum plus SIP Calculator?

This calculator estimates the future value of an investment portfolio that includes both an initial lump sum investment and regular monthly contributions (SIP). It combines the growth of both components to show the total projected value at the end of the investment period.

How does this calculator work?

You input your lump sum amount, monthly SIP amount, expected annual return rate, and investment duration. The calculator computes the future value of the lump sum and the future value of the SIP contributions separately, then adds them to give the total future value.

What is the difference between lump sum and SIP?

A lump sum is a one-time upfront investment, while SIP (Systematic Investment Plan) involves investing a fixed amount at regular intervals (usually monthly). This calculator helps you see the combined effect of both strategies on your wealth.

Finance

Instantané, privé et gratuit

Lump Sum Plus SIP Calculator.

Project combined lump-sum and periodic investment growth with explicit assumptions.

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Calcul sur l'appareilSans inscription

Saisissez vos valeurs

Les résultats se mettent à jour pendant la saisie.

02 / RÉPONSE

Initial lump sum

Monthly SIP

Annual return

Investment period

Lump sum future value

259 374,25 $US$

SIP future value

1 007 288,00 $US$

Combined future value

1 266 662,24 $US$

Total contributions

700 000,00 $US$

Estimated growth

566 662,24 $US$

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Cite this calculator

Canonical URL: https://mathify.one/fr/finance/lumpsum-plus-sip

Cite as: Mathify. (n.d.). Lump Sum Plus SIP Calculator. https://mathify.one/fr/finance/lumpsum-plus-sip

Use Cases

Plan for a Major Financial Goal

Use this calculator to estimate how a combination of an existing lump sum (like a bonus or inheritance) and monthly savings can grow towards a future goal, such as a down payment or retirement corpus.

Example: Invest a $10,000 lump sum plus $500 monthly for 10 years at 8% annual return.

Compare Investment Strategies

Evaluate different scenarios by adjusting the lump sum amount, monthly contribution, or expected return to see how each affects the final value, helping you decide how to allocate your funds.

Example: See the impact of increasing monthly SIP by $100 over 15 years.

Frequently Asked Questions

What is a Lump Sum plus SIP Calculator?: This calculator estimates the future value of an investment portfolio that includes both an initial lump sum investment and regular monthly contributions (SIP). It combines the growth of both components to show the total projected value at the end of the investment period.
How does this calculator work?: You input your lump sum amount, monthly SIP amount, expected annual return rate, and investment duration. The calculator computes the future value of the lump sum and the future value of the SIP contributions separately, then adds them to give the total future value.
What is the difference between lump sum and SIP?: A lump sum is a one-time upfront investment, while SIP (Systematic Investment Plan) involves investing a fixed amount at regular intervals (usually monthly). This calculator helps you see the combined effect of both strategies on your wealth.

Tips & Common Mistakes

Tips

Use realistic return rates based on historical averages for your asset class to get a more accurate projection.
Consider inflation when interpreting the future value – the purchasing power may be less than the nominal amount.
Review your SIP amount periodically and increase it as your income grows to stay on track with your goals.
The longer your investment horizon, the more powerful the effect of compounding on both lump sum and SIP.

Common Mistakes to Avoid

Ignoring the effect of taxes on investment returns, which can reduce the actual future value.
Using an overly optimistic return rate that is not sustainable over the long term.
Forgetting to account for inflation, which can make the future value appear larger than its real purchasing power.

Last updated: August 13, 2026