Combined Lumpsum + SIP + Step-Up SIP Calculator
Simulate your investment with a combination of SIP and Lumpsum. Visualize how your corpus grows over time with optional Step-Up SIP.
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Frequently Asked Questions (FAQs)
What is a SIP + Lumpsum Calculator?
This calculator helps you estimate your future investment value when you invest through both a one-time lumpsum and a recurring SIP. It combines both growth paths into one projection.
How is the future value calculated?
The calculator compounds your lumpsum and SIP contributions monthly based on your expected return rate, and shows how the combined corpus grows year-by-year in the chart.
What is Step-Up SIP and how does it help?
Step-Up SIP increases your SIP every year by a percentage or fixed amount. This can significantly boost long-term returns as your income grows over time.
Can I invest only SIP or only Lumpsum?
Yes. You can set either value to zero (as long as at least one is invested). The chart will still show your projected corpus.
What return rate should I use?
For equity mutual funds, many investors assume 10–12% long-term. For conservative planning, you may use a lower return assumption.
Planning for multiple financial goals?
Explore more tools: SIP & Lumpsum Calculator, Inflation Calculator, Reverse Inflation Calculator, SWP Calculator
Need help choosing the right strategy? Contact us.