SIP vs Lumpsum Calculator

Compare SIP and Lumpsum strategies over your chosen horizon. Adjust returns, contributions, and match total investment to see which approach builds more wealth.

Inputs
Disabled if "Match Lumpsum" is selected.
Notes:
  • SIP is compounded monthly with contributions at month-end.
  • Lumpsum is invested up front and compounded monthly.
  • Use "Match Lumpsum" to compare both with equal total invested principal.
Summary
Final Value (SIP)
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Total invested: —
Final Value (Lumpsum)
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Total invested: —
Difference (Winner – Other)
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Recommendation
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Assumes constant returns for illustration. Actual returns vary with market conditions.
Value Over Time

Year-wise Breakdown

Year SIP Invested (₹) SIP Value (₹) Lumpsum Invested (₹) Lumpsum Value (₹)

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