SIP vs Lumpsum Calculator
Compare investing a sum all at once against spreading it as a monthly SIP over the same period.
How to use the SIP vs Lumpsum calculator
- Enter total amount, spread SIP over, expected return and total period.
- Read the ends higher at the top of the result, with lumpsum value, sIP value, difference underneath. It updates as you type.
- Change one input at a time to see what moves the answer most, then save the result with Copy link or Download PDF.
About this tool
With steady returns, the lump sum always wins because money is invested longer. The SIP's advantage is lower timing risk, which a constant-return model cannot show.
Worked example
With total amount of ₹6,00,000, spread sip over of 12 months, expected return of 12% and total period of 10 years:
| Ends higher | Lumpsum |
| Lumpsum value | ₹19,80,232 |
| SIP value | ₹18,75,879 |
| Difference | ₹1,04,354 |
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
Why does lumpsum win in this calculator?
At a constant return, money invested earlier compounds longer. In real markets a SIP can win if prices fall during the spread period.
What is an STP?
A systematic transfer plan parks a lump sum in a debt fund and moves it into equity monthly, combining both approaches.