Back to Financial Calculators
SIP vs Lumpsum Calculator
Compare a one-time lumpsum investment with spreading the same amount as monthly SIP instalments.
Projections for illustration only — not investment advice. This calculator assumes both the lumpsum and the SIP earn the same constant annual return for simplicity. In reality, SIPs benefit from rupee-cost averaging across market ups and downs, while a lumpsum invested at a market peak can underperform a SIP. Actual returns vary and can be negative. Past performance is not indicative of future results. Please consult a SEBI-registered financial adviser before investing.