SIP vs Lumpsum
Take the same total amount — see whether investing it all today, or spreading it as a monthly SIP over the same period, ends up worth more.
Total Investment Amount
₹
₹10K₹5 Cr
Expected Return
%
1%30%
Investment Period
Yr
1 yr40 yrs
Equivalent to a monthly SIP of — over the same period.
👈 Adjust the inputs on the left to see the comparison.
Not sure which approach fits your situation? Let's talk it through.
Get Guidance →* This calculator compares investing a fixed total amount as a one-time lumpsum versus spreading the same total evenly as a monthly SIP over the same period, at the same assumed rate of return. Real markets don't move in a straight line, so actual outcomes for either approach can differ meaningfully from these estimates depending on market timing. Mutual fund investments are subject to market risks. Please read all scheme related documents carefully before investing.