Calculate Retirement with Lump Sum + SIP
Plan retirement with combination of lump sum and SIP investments
Investment Details
Enter lump sum and SIP details
Growth Over Time
About Retirement Combo Calculator
A retirement combo calculator helps you plan your retirement by combining both lump sum investment and SIP (Systematic Investment Plan). This strategy leverages the benefits of both approaches: immediate capital deployment and disciplined regular investing.
Key Benefits
- Lump Sum: Immediate capital deployment for faster growth
- SIP: Disciplined regular investing with rupee cost averaging
- Combined: Optimal balance of immediate growth and long-term discipline
Frequently Asked Questions
A retirement combo strategy combines both lump sum investment and SIP (Systematic Investment Plan) to build retirement corpus. Lump sum provides initial capital, while SIP ensures disciplined regular investing.
Retirement corpus = Future value of lump sum investment + Future value of SIP investments. Both are calculated using compound interest, considering expected returns and investment period.
Combo strategy is often better as it combines benefits of both: lump sum provides immediate capital deployment, while SIP helps in rupee cost averaging and disciplined investing over time.
Allocate based on your available capital and monthly surplus. Use lump sum for one-time windfalls (bonus, inheritance), and SIP for regular monthly savings. Aim for 60-70% of target corpus from SIP.