# SIP with Lumpsum — ₹10,000/month + ₹50,000 at 12% for 10 years
Combine the power of an upfront lumpsum with disciplined monthly SIPs to reach your goals faster.
How we estimate
- Lumpsum: FV = P × (1 + r)^n
- SIP: FV = Pm × [(1 + r)^n − 1] / r × (1 + r)
- Total FV = FV(lumpsum) + FV(SIP)
When to use this strategy
- Received bonus/savings (lumpsum) but want ongoing discipline (SIP)
- Medium to long-term goals like house down-payment or education
Related calculators
- [SIP Calculator](/calculators/sip-calculator)
- [Lumpsum Calculator](/calculators/lumpsum-calculator)