Lumpsum + SIP Calculator

Invest a sum now and a SIP every month — see both together.

Ready to put this into action?

Research every Indian mutual fund on MFIC, or talk to our team about funds for your goal and time frame.

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About this calculator

Most people invest both ways: savings they already have, plus a monthly SIP from income — and sometimes a yearly bonus. See all three working together.

How is this calculated?

The one-time amount grows at the assumed return for the whole period. SIP instalments are invested at the start of each month at the monthly equivalent of the annual return, rising by the step-up every 12 months. Yearly extras are invested at the start of each year from year 2.

Questions people ask

Is it better to invest my savings at once or add them to my SIP?

With steady returns, money invested earlier grows more. If you are worried about timing, you can move a large sum in over a few months with an STP while your SIP continues.

Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.