Lumpsum + SIP Value Calculator
Project future value of lumpsum and step-up SIP investments
SIP Inputs
₹
Lumpsum Inputs
₹
Common Inputs
Snapshot
| Invested | Total Investment Amount | Future Value | Gains | |
|---|---|---|---|---|
| Lumpsum | ₹1,00,000 | ₹1,00,000 | ₹1,76,234 | ₹76,234 |
| SIP | ₹10,000 | ₹9,28,750 | ₹12,00,519 | ₹2,71,769 |
| Total | ₹10,28,750 | ₹13,76,753 | ₹3,48,003 |
About this calculator
Lumpsum & SIP Future Value Calculator • Concepts
If you invest via a lumpsum and/or SIP, the timing of cashflows matters — SIP contributions get less time to compound than the initial amount.
This calculator compares how a lumpsum and SIP can grow over time given a return assumption.
How to use
- Enter lumpsum amount, SIP amount, and investment horizon.
- Adjust the expected return to reflect a conservative vs optimistic scenario.
- Use the snapshot to understand invested amount vs future value and gains.
Key assumptions
- Returns are modeled using a constant annual rate (converted internally to periodic growth where applicable).
- No taxes/expense ratios are included; treat results as pre-tax illustrations.
