Investment calculator

Lumpsum vs SIP

Compare a one-time investment against a monthly SIP. Adjust the sliders or type exact values — results update instantly.

Your inputs

Lumpsum amount

Monthly SIP

Expected return rate

Time period

Lumpsum future value

₹37,27,018

≈ ₹37.27 L

Lumpsum₹37,27,018

Monthly SIP₹23,23,391

SIP future value: ₹23,23,391
SIP total invested: ₹12,00,000
Lumpsum ends higher by: ₹14,03,627

Mutual fund investments are subject to market risks, read all scheme related documents carefully. Past performance is not indicative of future returns. PlusFinance distributes mutual funds as an AMFI-registered distributor (ARN-325664); figures shown on this site are illustrative and not a promise of returns. The return rate in this calculator is your own assumption, not a forecast.

How it works

How the Lumpsum vs SIP calculator 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.

FAQ

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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