SIP Investment Parameters
TRY SAMPLE:
₹10,000
12%
10 Years
Estimated Maturity Value
₹23,23,391
Wealth Gain of ₹11,23,391 over 10 years.
Invested Amount
₹12,00,000
Est. Returns
₹11,23,391
* Mutual fund returns are subject to market risks. Calculated using standard compounding frequency.
How to Use SIP vs Lumpsum Comparison Calculator
SIP vs Lumpsum: Which Is Better?
This is one of the most common investment questions in India. The answer depends on market conditions, your risk tolerance, and investment horizon.
This calculator lets you simulate both strategies side by side: enter a monthly SIP amount and an equivalent lumpsum, set the expected annual return rate and tenure, and see a visual chart comparing the growth of both investments. It shows the total invested, total returns, and final corpus for each approach. All computations are local.
Frequently Asked Questions
Not always. In a consistently rising market, lumpsum tends to outperform. SIP benefits from rupee cost averaging in volatile markets.