SIP vs Lumpsum Calculator
Compare SIP and lumpsum investing with the same return and time horizon. See future value, invested amount, gains and the better outcome.
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अपने आँकड़े दर्ज करें। बदलाव के साथ अनुमान और चार्ट अपडेट होंगे।
Investment inputs
- Higher projected value (entered amounts)
- SIP
- Funding difference (SIP − lumpsum): ₹15,00,000
- SIP future value
- ₹58,08,477
- Invested ₹30,00,000
- Lumpsum future value
- ₹46,58,772
- Invested ₹15,00,000
- Equal-capital upfront value
- ₹93,17,545
- Invest all ₹30,00,000 today: ₹35,09,068 vs SIP
आपके आँकड़ों का मतलब
Each ₹1 grows to ₹3.11 as a lumpsum vs ₹1.94 through SIP.
Lumpsum money compounds for the full 10 years, while SIP instalments are invested gradually and get less time on average.
Investing the SIP total of ₹30L upfront would end ₹35.09L higher.
That needs the full amount today; SIP fits a monthly salary and avoids putting everything in at a market high.
At 6% inflation, ₹58.08L in 10 years is worth about ₹32.43L today.
Use this real value, assuming 6% yearly inflation, when judging whether the larger corpus meets your goal.
Entered amounts may use different total capital, so higher corpus is not a performance winner. Equal-capital comparison assumes all SIP contributions are available today; money awaiting SIP investment earns zero. The SIP invests at the start of each month at annual return ÷ 12 (12% = 1% a month), the method most Indian SIP calculators use; the lump sum compounds once a year. Taxes and charges are excluded.
अपनी गणना समझें
SIP and lumpsum investing solve different problems. A SIP spreads your entry over many months and fits a monthly salary. A lumpsum puts money to work immediately, so it has more time in the market when returns are steady. This calculator projects both paths with the same expected return and time horizon, and adds a third line: what the SIP's total contributions would have become if you'd invested all of it on day one.
SIP vs Lumpsum Calculator क्यों उपयोग करें
The right choice depends on whether the money exists today, how much timing risk you can stomach and how you'd feel if the market fell the month after you invested. Seeing the projected value, invested amount and gain side by side makes the trade-off concrete before you commit. The equal-capital line matters most: if your SIP and lumpsum amounts don't add up to the same total, a bigger number on one side may just mean more money went in.
SIP vs Lumpsum Calculator कैसे उपयोग करें
- 1
Enter monthly SIP
Use the amount you can invest each month from income, for example ₹10,000 or ₹25,000.
- 2
Enter lumpsum
Use the one-time amount available today, such as a bonus, FD maturity or property sale proceeds.
- 3
Set return and years
Use a conservative long-term annual return assumption, and the number of years you can leave the money alone.
- 4
Compare results
Review contributions, future values and the equal-capital alternative before comparing approaches.
उदाहरण
₹12 lakh: monthly SIP vs all at once
Take ₹10,000 a month for 10 years (₹12,00,000 in total) against a ₹12,00,000 lumpsum, both at 12% a year. The SIP leg invests at the start of each month and grows at 1% a month (12% ÷ 12): ₹10,000 × ((1.01^120 − 1) ÷ 0.01) × 1.01 = ₹23,23,391. The lumpsum compounds once a year: ₹12,00,000 × 1.12^10 = ₹37,27,018.
- SIP invested
- ₹10,000 × 120 months = ₹12,00,000
- SIP value after 10 years
- ₹23,23,391
- SIP gain
- ₹11,23,391
- Lumpsum invested
- ₹12,00,000 on day one
- Lumpsum value after 10 years
- ₹37,27,018
- Lumpsum gain
- ₹25,27,018
The lumpsum ends ₹14,03,627 ahead, but only because all ₹12 lakh was invested from the first day. Under a constant return, money invested earlier always wins. A SIP earns its keep in real markets, where it spreads the risk of a bad entry point.
इसकी गणना कैसे होती है
The SIP leg runs month by month: balance = (balance + SIP) × (1 + r), where r is the annual return ÷ 12. Each instalment goes in at the start of the month, the method most Indian SIP calculators use, so it matches the SIP calculator on this site to the rupee.
The lumpsum leg compounds annually, as in the lumpsum calculator: FV = lumpsum × (1 + annual return)^years. The years are taken from the rounded number of months, so a 10.5-year horizon uses 126 months for the SIP and 10.5 years for the lumpsum.
The equal-capital line takes the SIP's total contributions, SIP × months, and grows that whole amount from day one with the lumpsum formula. The difference between that value and the SIP value is the cost of investing gradually under a constant return. The higher result is labelled a tie if the two values are within half a paisa.
मान्यताएँ और सीमाएँ
- The SIP leg uses annual return ÷ 12 as the monthly rate with start-of-month instalments; the lumpsum compounds once a year at the full annual return.
- Entered SIP and lumpsum can use unequal total capital; the higher projected value is not an investment recommendation.
- Equal-capital comparison invests the total planned SIP contributions upfront; all that capital must be available today. Cash waiting for SIP investment earns zero.
- Taxes, exit loads and expense ratios are excluded.
अक्सर पूछे जाने वाले प्रश्न
Is SIP safer than lumpsum?
A SIP reduces timing risk by spreading entry across months, but it doesn't remove market risk. If the market falls steadily for the whole period, both lose money.
Why can lumpsum beat SIP?
If markets rise steadily, money invested earlier has more time to compound. With a positive constant return, as this calculator assumes, the lumpsum comes out ahead at equal capital. Real markets are bumpy, and a SIP can come out ahead when prices fall soon after the lumpsum date.
Should I split a lumpsum into STP?
For volatile assets, a systematic transfer plan that moves the money from a liquid or debt fund into equity over 6 to 12 months can reduce regret and timing risk. The waiting money earns a debt-fund return, which this calculator doesn't model; here, waiting cash earns zero.
Why does my SIP value here match the SIP calculator but not my fund statement?
Both calculators assume a constant return. Your statement reflects actual NAVs on each instalment date, plus expense ratio. To measure the real return on your SIP, enter every dated instalment and the current value in the XIRR calculator.
Does tax change which option is better?
Equity fund tax depends on how long each unit is held. Every SIP instalment has its own 12-month clock, so recent instalments can still be short-term when you sell, while a lumpsum held over a year is all long-term. This calculator shows values before tax; for an after-tax view of a SIP against a deposit, use the SIP vs FD comparison.
Which return should I enter?
Use the same long-run assumption you'd use for the fund category on either path, for example 10 to 12 percent for diversified equity. Changing the return moves both legs in the same direction, so at equal capital it mostly changes the size of the gap rather than the winner.
अंतिम बात
Use a SIP when you're investing from income and a lumpsum when the money is already sitting in your account. The calculator shows the arithmetic; the decision also depends on how you'd handle a fall right after investing, and on when you need the money. If you do have a large amount today but are nervous about timing, compare the lumpsum line with the equal-capital gap and decide how much of that gap you're willing to give up for a smoother entry.
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