Financial Calculator

SIP + Lumpsum Calculator

Project a starting lumpsum and an ongoing monthly SIP together — see how much of your final corpus comes from each, with step-up support and an inflation-adjusted real value. Free, instant, no login.

● Combines lumpsum + SIP ● Step-up SIP support ● 6 currencies

01 · Your Inputs

Combined Parameters

Set your starting lumpsum, ongoing monthly SIP, expected return, horizon, and an optional annual step-up — every result below updates instantly as you adjust these.

Currency

Initial Lumpsum Amount

Monthly SIP Amount

Expected Annual Return (%)12%

Investment Period (Years)10 yrs

Step-Up SIP Annually (%)0%

Inflation Rate (%)6%

02 · The Result

Wealth Breakdown

How your final corpus splits between the lumpsum's growth and the SIP's growth.

The lumpsum starts compounding on day one at full value, while the SIP builds up gradually — each monthly instalment gets less time to grow than the one before it.

Combining both gives you the lumpsum's full-horizon compounding and the SIP's built-in discipline and rupee-cost averaging, rather than choosing one over the other.

🤔 Not sure how much to put in the lumpsum vs. the SIP right now? VilfinTV's Market Sentiment Score reads six real market signals every trading day and maps them to a SIP-vs-lump-sum playbook.

Check today's score →

03 · Year by Year

Full Projection Table

The lumpsum's growth, the SIP's growth, and the combined total for every year of the plan. Scroll sideways on mobile to see every column.

Year	Monthly SIP	Total Invested	Lumpsum Growth	SIP Growth	Combined Value	Total Gain

📐 Method: the lumpsum compounds annually at your expected return from day one; the SIP compounds monthly and applies the step-up (if any) at the start of each new year. Both are tracked separately, then added together each year for the "Combined Value."