Model a one-time lump sum, a monthly SIP, or both combined in a single portfolio trajectory.
Rounding: Rounded to nearest rupee.
An investor deploys a ₹5 Lakh bonus upfront and continues a ₹15,000/month SIP for 15 years.
In a lump sum, 100% of your capital is invested from Day 1 and compounds for all 180 months, whereas in a SIP the average rupee is invested for roughly half the total tenure.
See how an existing lump-sum windfall (bonus, FD maturity, or initial capital) compounds alongside your ongoing monthly SIP contributions. Whether you are researching lump sum plus sip calculator, one time vs monthly investment, lumpsum calculator mutual fund, hybrid sip calculator, this interactive tool helps you compare a one-time lump-sum investment against a monthly SIP and calculate the combined maturity value of a hybrid Lump Sum + ongoing SIP portfolio.
As you adjust Initial One-Time Lump Sum, Ongoing Monthly SIP, Expected Annual Return Rate, Investment Horizon, the calculator immediately computes Combined Portfolio Maturity Value (₹), Lump-Sum Component Maturity (₹), Monthly SIP Component Maturity (₹), Combined Capital Deployed & Gain and updates all three domain-specific SVG charts in real time. Instead of relying on a single static figure, you can inspect the primary domain diagram, component breakdown, and multi-point trajectory curve to see how changing your inputs shifts the final result. Use the Compare (up to 3 scenarios) button to evaluate side-by-side variations before making a decision.
In our benchmark scenario (₹5,00,000 Lump Sum + ₹15,000/Month SIP for 15 Years at 12% p.a.), Combined maturity is ₹1.06 Cr (₹30.0L from lump sum + ₹75.7L from SIP). Keep in mind that both the initial lump sum and monthly SIP compound at the same monthly periodic rate r/12. For related calculations in Finance & Investing, explore SIP Calculator (Systematic Investment Plan), Step-Up SIP Calculator (% & Fixed ₹ Top-Up), Compound Interest Calculator.