SIP vs Lumpsum Calculator
Compare returns between SIP and one-time investment
1,00010,00,00,000
5010,00,000
0.1300
0.1400
is Better by ₹0
Lumpsum benefits from longer time in market and compound growth
SIP Investment Results
Monthly Investment:₹5,000
Total Invested:₹0
Total Returns:₹0
Final Value:₹0
Lumpsum Investment Results
One-time Investment:₹100,000
Total Invested:₹0
Total Returns:₹0
Final Value:₹0
Key Insights
- • SIP provides rupee cost averaging benefit during market volatility
- • Lumpsum works better in consistently rising markets
- • SIP helps build investment discipline and regular savings habit
- • Lumpsum requires larger upfront capital availability
- • Consider mixing both strategies for optimal results
SIP vs Lumpsum: Detailed Comparison
| Factor | SIP | Lumpsum |
|---|---|---|
| Investment Required | ₹5,000/month | ₹100,000 upfront |
| Total Investment | ₹0 | ₹0 |
| Final Value | ₹0 | ₹0 |
| Total Returns | ₹0 | ₹0 |
| Market Timing Risk | Low ✓ | High ✗ |
| Flexibility | High ✓ | Medium |
| Capital Requirement | Low ✓ | High ✗ |
When to Choose What?
Choose SIP When:
- • You have regular monthly income
- • You want to build investment discipline
- • You're new to investing
- • Markets are volatile or uncertain
- • You want to average out market fluctuations
- • You have long-term financial goals
Choose Lumpsum When:
- • You have a large amount available
- • Markets are at low levels
- • You expect consistent market growth
- • You're confident about market direction
- • You want to maximize time in market
- • You have surplus funds from bonus/inheritance