SIP + Lump-Sum Calculator
Project your maturity value from a lump sum & monthly SIP - with annual step-up, a holding period & inflation impact.
A SIP plus lump-sum calculator projects what a one-time investment and a monthly SIP grow to together; Richlify adds an annual step-up, a holding period after the SIP stops, and shows what the maturity is worth in today's money.
Your plan - inputs
Results update live. Your return rate is an effective annual return; SIPs are invested monthly with annual step-up.
Total maturity amount
TOTAL INVESTED
₹0
Lump sum + every SIP installment
MATURITY VALUE
₹0
At the end of 15 years
WEALTH CREATED
+₹0
Maturity - total invested
TOTAL GAIN %
+0.0%
On everything you put in
REAL MATURITY
₹0
In today's money (inflation-adjusted)
WEALTH MULTIPLIER
0.00x
Maturity / total invested
EFFECTIVE ANNUAL RETURN
0.00%
0.0000% a month, compounded
TOTAL HORIZON
0 years
SIP duration + holding period
INITIAL LUMP SUM
₹10,00,000
Invested on day one
TOTAL MONTHS OF SIP
0
10 years of installments
FIRST-YEAR MONTHLY SIP
₹0
Your starting installment
LAST-YEAR MONTHLY SIP
₹0
After 5% yearly step-ups
CASH INVESTED IN SIPs ONLY
₹0
Excluding the lump sum
Planning purposes only. Market returns are not guaranteed and past performance does not predict future results. Consult a SEBI-registered financial advisor before investing.
How this is calculated
The calculator projects two components in one plan: a lump sum invested today and a monthly SIP that runs for a fixed number of years. Both compound monthly, and both are shown separately in the result so you can see which one is doing the work.
The lump sum compounds across the entire horizon — SIP years plus holding years. The SIP contributes only during the SIP years; the holding period then keeps the whole accumulated corpus compounding with no new money going in. On the default plan — ₹10 lakh lump sum plus ₹5,668 a month at 12% for ten years, then held five more — the lump sum alone reaches ₹54,73,566 and the SIP side ₹26,90,671.
The rate you enter is an effective annual return, not a nominal one. 12% a year is converted to its true monthly equivalent, (1.12)^(1/12) - 1 = 0.9489% a month, which compounds back to exactly 12% over twelve months. Dividing by twelve instead would quietly turn a 12% plan into 12.68% and overstate a fifteen-year corpus by about 8%.
The annual step-up raises the monthly SIP once every twelve months, tracking salary growth. A ₹5,668 SIP rising 5% a year is ₹8,793 a month by year ten — the final-year instalment is shown so you can check the plan stays affordable at the end, not just the beginning.
Total invested is built from the actual contribution schedule — every stepped-up instalment plus the lump sum — not the first instalment multiplied by the number of months. At the defaults you put in ₹18,55,498 and finish with ₹81,64,236, a 4.40x multiple; wealth created is the difference, ₹63,08,738.
Real maturity answers the question the headline number hides: what will that corpus actually buy? Discounting ₹81.6 lakh by 6% inflation over the fifteen-year horizon leaves ₹34,06,651 in today's purchasing power. The year-wise table shows every year's SIP, total invested, corpus and wealth created — holding-period rows are marked, so you can see the corpus compounding after contributions stop.