Lumpsum vs SIP Calculator
Compare one-time investment vs systematic investment plan returns side by side
Lumpsum vs SIP Calculator
📖 GuideThe same total amount is invested via both strategies
💡 How this comparison works
Lumpsum invests the entire amount upfront on Day 1. SIP spreads the same total amount equally across monthly installments over the investment period. Both earn the same annual return rate.
Lumpsum vs SIP: What You Should Know
Lumpsum: Time in the Market
Lumpsum investing puts your entire capital to work from Day 1. In a rising market, this maximises compounding as your full amount earns returns for the entire duration.
SIP: Rupee Cost Averaging
SIP spreads your investment over time, buying more units when markets are low and fewer when high. This averaging reduces the impact of market volatility on your investment.
Which Should You Choose?
Choose lumpsum if you have a large corpus and the market outlook is positive. Choose SIP if you want to reduce risk, lack a lump sum, or prefer disciplined monthly investing.