SIP + Lumpsum Calculator
Project portfolio growth for lump sum and recurring monthly investments.
Future value
$343,778.24
Total invested
$130,000.00
Estimated gains
$213,778.24
Scenario Compare
Save up to 4 SIP/Lumpsum scenarios.
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Growth Over Time
Yearly points
Insights
Generate a concise interpretation of your inputs and outputs. This is educational and hypothetical.
What It Is
This SIP/Lumpsum calculator projects long-term portfolio growth from two contribution styles: one-time upfront investment and recurring monthly investing.
It is helpful for comparing disciplined periodic investing with immediate capital deployment under the same return assumptions.
How It Works
The tool compounds returns monthly and adds monthly investment each period. It tracks invested capital and projected value over time.
Results include total invested amount, projected future value, and estimated gains from compounding.
Formula
Lumpsum growth follows FV = PV*(1+r)^n at the period level, while SIP contributions are added each month and then compounded in future periods.
This implementation uses iterative monthly simulation to keep assumptions explicit and flexible.
Example
If you invest a lump sum plus monthly SIP contributions, long-run growth is often driven by both contribution consistency and compounding duration.
You can stress test outcomes by changing only one input at a time: return, horizon, or monthly contribution.
Frequently Asked Questions
Is SIP always better than lumpsum?
Not always. Outcome depends on market path, timing, and risk tolerance.
Are returns guaranteed?
No. This is a hypothetical projection tool.
Can I use yearly contributions instead?
This version models monthly recurring investments.