How This Works
This calculator runs both scenarios side by side: investing a lumpsum amount today, versus investing a monthly SIP over the same period at the same assumed rate of return, so you can directly compare the two future values.
The "better" choice depends heavily on the return rate you assume, the tenure, and how you split the money between the two — since a lumpsum starts compounding immediately with the full amount, while a SIP builds up its invested base gradually.
Frequently Asked Questions
Is lumpsum always better than SIP if I have the money upfront?
Not necessarily — it depends on the assumed rate and tenure. A lumpsum benefits from compounding the full amount from day one, but a SIP reduces the risk of investing everything at a market high. This calculator lets you compare both for your specific numbers.
Can I combine lumpsum and SIP?
Yes — many investors put a portion in as a lumpsum and continue a SIP for further contributions. This calculator compares two pure scenarios so you can gauge the trade-off before deciding your own split.
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