SIP vs lumpsum calculator
Future value of a monthly SIP and a one-time lumpsum, side by side, at the same expected return. Both are computed transparently — nothing is recommended.
SIP or lumpsum — what this page computes
A SIP (systematic investment plan) invests a fixed amount every month, so your money enters the market gradually at many price points. A lumpsum invests everything on day one, so the full amount compounds for the whole tenure. This page computes the arithmetic of both at a constant expected return — it does not tell you which to choose, because the answer depends on whether you already have the lumpsum, market conditions, and your own risk tolerance.
- At the same total invested and a steadily rising market, the lumpsum compounds longer.
- A SIP spreads entry prices — useful when investing from a monthly salary.
- Try our step-up SIP calculator to model an instalment that grows with your income.
For information only — not investment advice. Expected returns are your assumption; mutual-fund returns are market-linked and not guaranteed. This page computes projections; it does not recommend any product or investment style.