Lump Sum + SIP to Reach ₹2 Crore in 15 Years
How much do you need as a one-time investment and monthly SIP to reach ₹2 Crore in 15 years? Adjust the sliders below to find the combination that works for your situation.
Frequently Asked Questions
Specific to this investment combination.
What will ₹5 Lakh lump sum + ₹10,000/month SIP grow to in 15 years?+
At an assumed 12% annual return, your total investment of ₹23.00 Lakh (₹5.00 Lakh lump sum + ₹18.00 Lakh in SIPs) will grow to an estimated combined corpus of ₹80.44 Lakh, generating ₹57.44 Lakh in returns.
How much does the lump sum contribute vs the SIP?+
Of the projected ₹80.44 Lakh total corpus, the ₹5 Lakh lump sum component grows to ₹29.98 Lakh through compounding, while the ₹10,000/month SIP builds a corpus of ₹50.46 Lakh. The lump sum's contribution is higher per rupee invested because it compounds for the full 15-year period.
Should I invest as a lump sum or continue as SIP?+
Do both. If you have existing savings, invest them as a lump sum immediately — every month of delay is a month of compounding lost. Then continue building wealth with a monthly SIP from your income. The two strategies are complementary, not competing.
Is ₹10,000/month SIP enough if I already have ₹5 Lakh invested?+
With ₹5 Lakh already invested and a ₹10,000/month SIP running in parallel, your combined corpus after 15 years is projected at ₹80.44 Lakh (at 12% return). Whether this is "enough" depends on your specific financial goal — use our FIRE calculator to check if this corpus can sustain your planned retirement lifestyle.
How is lump sum + SIP corpus calculated?+
Lump sum FV = L × (1 + r)^n, where r is the monthly return rate and n is total months. SIP FV = P × [((1+r)^n − 1) / r] × (1 + r). The total corpus is simply Lump Sum FV + SIP FV, because both grow independently in the same underlying portfolio.