Is it better to increase my SIP or add a lumpsum?

Both are effective. Increasing your SIP (Step-up) ensures consistent growth, while adding a lumpsum provides an immediate boost to your compounding base. A combination of both is often the best strategy.

How should I invest a large bonus?

You can either invest it as a lumpsum if you believe the market is fairly valued, or use an STP (Systematic Transfer Plan) to move it from a liquid fund to equity over 6-12 months.

SIP with Lumpsum Calculator

Model a realistic investment strategy combining regular monthly SIPs with periodic lumpsum injections.

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Documentation

Quick Summary: SIP with Lumpsum Calculator

A SIP with Lumpsum Calculator models the common real-world scenario where an investor maintains a steady monthly SIP but also adds one-time amounts, such as annual bonuses or tax refunds. This hybrid approach significantly accelerates wealth creation compared to a standalone SIP, as the lumpsum injections benefit from compounding from the moment they are added.

Related Calculators

SIP Calculator

Step-Up SIP Calculator

Lumpsum Calculator

Wealth Accumulation Timeline

Regulatory Disclaimer

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.