Find the future value of your monthly/quarterly SIP investments, combined with a one-time initial (lump sum) investment, through mutual funds.
SIP Amount
Initial Investment
Future Value
Total Investment
Your Earnings
Start a SIP today and let the power of compounding grow your wealth steadily over time.
A SIP (Systematic Investment Plan) Calculator is a financial tool that helps investors estimate the potential returns on their mutual fund investments made through regular, periodic contributions. Our SIP calculator with initial investment goes a step further by letting you add a one-time lump sum alongside your recurring SIP, so you can see the combined future value of both amounts together.
This is especially useful if you already hold a lump sum, such as a bonus, maturity proceeds, or inherited money, and want to invest it upfront while continuing to build wealth through disciplined monthly contributions. SIP calculators are particularly useful for investors who want to plan long-term financial goals, such as retirement planning, children's education, or buying a house, with a clear picture of how both a lump sum and regular investments grow over time through the power of compounding.
SIP returns are calculated using the concept of compound interest, where your investment grows not just on the principal amount but also on the accumulated interest. When an initial investment is added, the calculator computes two components and adds them together:
The SIP portion uses the formula: FV(SIP) = P × [(1 + r)^n - 1] / r × (1 + r), where P is the periodic investment, r is the periodic rate of return, and n is the number of periods. The initial investment portion uses the lump sum growth formula: FV(Lump Sum) = I × (1 + r)^n, where I is the initial investment amount.
Total Future Value = FV(SIP) + FV(Lump Sum). Your total investment is the sum of all SIP contributions plus the initial investment, and your earnings are simply the total future value minus this total investment.
Combining a lump sum with an SIP is a common strategy among investors who want to accelerate wealth creation without giving up the discipline of regular investing:
Simply enter an initial investment amount in the calculator above, along with your SIP amount, duration, and expected return, to see your combined projected corpus.
Our SIP calculator works in three simple steps:
This helps you make informed decisions about your investment strategy and understand how a lump sum combined with regular investments can help you achieve your financial goals over time.
Our SIP calculator also supports quarterly investment planning, making it a versatile tool for investors who prefer making larger contributions every three months. This quarterly SIP calculator follows the same principles of compounding but adjusts the calculation frequency to match your investment cycle.
Benefits of using a quarterly SIP calculator:
Whether you choose monthly or quarterly SIP investments, our calculator helps you visualize the growth of your investments over time. Simply select your preferred investment frequency in the calculator, and it will automatically adjust the calculations to show you the projected returns based on your quarterly investment pattern.
Calculate the maturity value and interest earned on your fixed deposit investment.
Calculate the remaining value of your mutual fund investment after systematic withdrawals.
Determine the monthly SIP investments you need to make to reach a particular goal.
Find out how much you will need in the future to meet your current expenses against inflation.