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Lumpsum vs SIP Calculator

Have a sum to invest? Compare putting it all in at once against spreading it as a monthly SIP — final values, the gap and the break-even return. Free lumpsum vs SIP calculator.

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The total sum you have — invested all at once, or spread over the period as a monthly SIP.
₹
Annual return of the fund, applied to both routes.
%
The SIP runs for this long; both routes are valued at the end of it.
yrs
Where the SIP route keeps the cash it has not invested yet — about 3% in a savings account, 6–7% in a liquid fund, 0 if it sits idle.
%

Investing it all now ends ₹12,71,878 ahead of the SIP after 10 years.

Value per year

₹0₹9L₹19L₹28L₹37L012345678910
Lumpsum — final value₹37,27,018
SIP route — final value₹24,55,139
SIP instalment · 120 months₹10,000/mo
…including interest earned by waiting cash₹2,14,781
Lumpsum ahead by · 51.8%₹12,71,878

Frequently asked questions

How does this compare lumpsum and SIP fairly?

Both routes invest the same total. The lumpsum goes in on day one; the SIP invests total / (12 x years) at the start of each month, with the money not yet invested earning the waiting rate you enter. Both compound at the same effective annual return, so neither gets a head start from the compounding convention.

Why does the lumpsum almost always come out ahead?

At a steady return, money invested earlier compounds for longer, and an SIP spread over the whole period keeps about half the sum out of the market on average. The case for an SIP is protection against a fall soon after investing, which a steady-return calculator cannot show; the gap here is the price of that protection.

Are my figures sent anywhere?

No. The comparison runs entirely in your browser; nothing you enter is uploaded or stored.