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.
SIP and lumpsum investing solve different problems. SIP spreads entry over time and suits monthly income. Lumpsum invests money immediately and benefits more when markets compound steadily. This calculator compares both paths with the same expected return and time horizon.
మీ ఫలితాన్ని లెక్కించండి
Change the inputs on the left. Results update instantly on the right.
Investment inputs
SIP vs Lumpsum Calculator ఎందుకు ఉపయోగించాలి
The right choice depends on available cash, risk comfort and market timing risk. Comparing the projected future value, invested amount and gains makes the trade-off visible before you commit money.
ఒక్క చూపులో ప్రయోజనాలు
Same assumptions for both paths
Compare SIP and lumpsum under one return and horizon assumption.
Shows invested amount
Separate contribution size from investment growth.
Highlights the gap
See which approach ends ahead and by how much.
SIP vs Lumpsum Calculator ను ఎలా ఉపయోగించాలి
- 1
Enter monthly SIP
Use the amount you can invest each month.
- 2
Enter lumpsum
Use the one-time corpus available today.
- 3
Set return and years
Use a conservative long-term annual return assumption.
- 4
Compare results
Review the winner, future values and gains.
అనుమానాలు మరియు పరిమితులు
- Returns are assumed and not guaranteed.
- Taxes, exit loads and expense ratios are excluded.
- SIP contributions are treated as month-end investments.
తరచుగా అడిగే ప్రశ్నలు
Is SIP safer than lumpsum?
SIP reduces timing risk by spreading entry across months, but it does not remove market risk.
Why can lumpsum beat SIP?
If markets rise steadily, money invested earlier has more time to compound.
Should I split a lumpsum into STP?
For volatile assets, splitting entry over several months can reduce regret and timing risk.
చివరి మాట
Use SIP when investing from income and lumpsum when a corpus is already available. The calculator helps compare the math; the final decision should also consider risk and cash-flow comfort.
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