Invest a one-time amount and a regular SIP together. See what both could grow to.
Estimated value
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Many people invest a one-time amount, such as a bonus or savings they already have, and also start a monthly SIP in the same fund. This calculator shows what both could grow to together, instead of working them out separately on a lumpsum calculator and a SIP calculator and adding them up.
Enter the lumpsum, the SIP amount and how often you invest, the return you expect and for how long. The lumpsum is invested at the start, along with the first SIP instalment. Every rupee grows for the time it stays invested, and the calculator adds it all up. It shows the combined estimated value, how much of it is your own money, and the value year by year.
Leave either box at 0 to see just the lumpsum or just the SIP. Switch on today's money to see the value after inflation.
L is the lumpsum, P is the monthly SIP, i is the monthly rate (yearly return ÷ 12) and n is the number of months. The first part is the lumpsum growing on its own; the second is the standard SIP formula.
₹1,00,000 lumpsum plus ₹10,000 a month at an expected 12% a year, compounded monthly:
The ₹10,000 SIP alone would reach about ₹99.9 lakh in 20 years. The one-time ₹1 lakh adds almost ₹11 lakh more, enough to cross ₹1 crore.
Yes. Most funds let you make a one-time investment and also register a SIP in the same folio. This calculator assumes both earn the same return.
If the money is available today, investing it at once usually ends higher in a rising market because it's invested for longer. Spreading it over a few months reduces the risk of investing everything just before a fall. You can compare by entering a smaller lumpsum and a larger SIP here.
No. Mutual fund returns depend on the market and change every year. The return you enter is an assumption, so treat the result as an estimate.
No. The result is before tax and before the fund's expense ratio. Tax on mutual fund gains depends on the fund type and how long you hold it.