Lumpsum Calculator vs SIP Calculator — Side-by-Side Comparison
A lumpsum investment compounds on the entire amount from day one, making it better when you have a large corpus available and markets are at attractive valuations. SIP averages out the purchase cost over time (rupee cost averaging), reducing timing risk. Use both calculators to compare final corpus given your available funds and investment tenure.
Lumpsum Calculator
Invested Amount
₹5,00,000
Estimated Returns
₹10,52,924
Total Value
₹15,52,924
Invested vs Returns
InvestedReturns
Annual compounding assumed. Mutual fund returns are subject to market risk. Past performance is not a guarantee of future returns.
Sip Calculator
Total Invested
₹6,00,000
Estimated Returns
₹5,61,695
Total Value
₹11,61,695
Investment Growth Breakdown
InvestedReturns
Year-by-Year Growth
1
2
3
4
5
6
7
8
9
10
| Year | Total Invested | Total Value |
|---|---|---|
| 1 | ₹60,000 | ₹64,047 |
| 2 | ₹1,20,000 | ₹1,36,216 |
| 3 | ₹1,80,000 | ₹2,17,538 |
| 4 | ₹2,40,000 | ₹3,09,174 |
| 5 | ₹3,00,000 | ₹4,12,432 |
| 6 | ₹3,60,000 | ₹5,28,785 |
| 7 | ₹4,20,000 | ₹6,59,895 |
| 8 | ₹4,80,000 | ₹8,07,633 |
| 9 | ₹5,40,000 | ₹9,74,108 |
| 10 | ₹6,00,000 | ₹11,61,695 |
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Frequently Asked Questions
Is lumpsum better than SIP?+
Lumpsum beats SIP in a steadily rising market because the full amount compounds from the start. SIP beats lumpsum in volatile or falling markets because it buys more units at lower prices (rupee cost averaging). Most investors benefit from SIP due to salary-based income; lumpsum works best for bonus/windfall investments.
Can I do both lumpsum and SIP in the same mutual fund?+
Yes. Many investors make an initial lumpsum investment at a perceived market low and also run a monthly SIP. This combines the benefits of early compounding (lumpsum) and averaging (SIP).
Which gives higher returns — lumpsum or SIP?+
Historically, in a bull market, a lumpsum investment returns more than an equivalent SIP amount spread over time because the full capital is at work from day one. However, with SIP you reduce risk and benefit during corrections. For a 10-year horizon with the same total investment, the difference is often 1–3% CAGR depending on market timing.
Disclaimer: This comparison is for informational purposes only and does not constitute financial or medical advice. Always consult a qualified professional before making financial or health decisions.