How Far Could Your Lumpsum and SIP Take You?

Map a credible wealth path: starting capital, rising monthly SIPs, optional yearly top-ups, and your own return assumptions. See totals, a year-by-year trail, and one blended IRR number you can take into a real conversation with an advisor.

What you get in a few clicks

  • Clarity on commitment: total money you put in versus what the model projects at the end.
  • Fair comparisons: try a higher SIP step-up, a lower return, or a shorter horizon and see how the picture shifts.
  • A single summary rate: illustrative IRR ties your deposits and the ending value together so you can sanity-check assumptions.

Use it to prepare questions for your advisor or our team. Numbers are illustrative only. They are not a promise of performance, a product quote, or tax advice.

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Your inputs

Change any field, then hit calculate. Tip: start with your actual surplus, then test one "stretch" scenario.

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Scroll down for the chart and full year-by-year table after you calculate.

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Total invested

Everything you put in: lumpsum, all SIPs, and annual top-ups.

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Illustrative ending value

Projected corpus at the end of your horizon using your assumed returns.

0%
Illustrative IRR

One blended rate for this cash-flow story. Not a product yield guarantee.

How the pieces grow over time

Year-by-year breakdown

Scan each row to see how lumpsum, SIP pool, and optional annual investments contribute to the total. Useful for printing or discussing with your advisor.

Year Lumpsum Value SIP Value Additional Value Annual SIP Total Value

Ready to turn these numbers into a plan?

Bring your scenario to a short call: we align investments with your timeline, risk, and tax context. No obligation, just a clearer next step.

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For education and planning discussions only. Not investment advice. Past performance and assumed returns are not indicative of future results. Consult a SEBI-registered advisor before investing.