SIP vs Lumpsum Calculator
Compare investing monthly through a SIP with investing the same total amount all at once today.
Frequently asked questions
How does the comparison work?
The lumpsum is the total you would put in through the SIP, invested all at once on day one. Both grow at the same expected return.
Why does the lumpsum usually end higher?
All of it is invested for the whole period, while SIP instalments are invested gradually. At a steady return, money invested earlier has longer to compound.
So should I always invest a lumpsum?
Not necessarily. Real markets rise and fall. A SIP buys at many different prices and avoids putting everything in at a peak, and it suits investing from a monthly income.
Disclaimer: This calculator is for illustration only. The results are estimates based on the rate of return you enter and do not indicate, promise or guarantee future returns. Actual returns vary with market conditions and are not guaranteed.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns. Please consult your financial advisor before investing.