โš–๏ธ

SIP vs Lumpsum Calculator

Which investment strategy gives more wealth? Live comparison with rupee cost averaging

โ‚น12.0 L
10 yrs

Standard comparison at same market level

๐Ÿ’ฐ
Lumpsum wins by โ‚น14.0 L
Lumpsum beats SIP because full amount compounds from day 1
๐Ÿ“…
SIP
โ‚นโ‚น10,000/month ร— 120 months
โ‚น23.2 L
Invested: โ‚น12.0 L
Gain: +โ‚น11.2 L
Return: 93.6%
VS
๐Ÿ† Winner
๐Ÿ’ฐ
Lumpsum
โ‚น12.0 L invested at start
โ‚น37.3 L
Invested: โ‚น12.0 L
Gain: +โ‚น25.3 L
Return: 210.6%
๐Ÿ’ก Rupee Cost Averaging โ€” How SIP Protects You
๐Ÿ“‰
Market falls โ†’ You buy more units at lower price
๐Ÿ“ˆ
Market rises โ†’ Your existing units gain more value
๐Ÿ˜Œ
No timing risk โ€” removes emotion from investing
๐Ÿ’ผ
Lumpsum beats SIP when invested at market lows

๐Ÿค” When to Choose Which?

๐Ÿ“… Choose SIP When
โœ… You have regular monthly income
โœ… Market is at all-time high
โœ… You are a first-time investor
โœ… You can't monitor markets daily
โœ… Volatile / uncertain market
๐Ÿ’ฐ Choose Lumpsum When
โœ… Market is at a significant dip/correction
โœ… You have idle cash (bonus, inheritance)
โœ… Long horizon (10+ years)
โœ… Bull market with strong fundamentals
โœ… You understand market cycles

SIP vs Lumpsum Calculator India โ€” Which is Better 2025?

Compare SIP (Systematic Investment Plan) vs Lumpsum investment strategy. See which creates more wealth over 5, 10, 15, 20 years. Includes rupee cost averaging explanation, year-wise growth table and guidance on when to choose each strategy.

SIP vs Lumpsum โ€” Which Wins in India?

Historically, lumpsum beats SIP if invested at market lows. But SIP wins during volatile or falling markets through rupee cost averaging. For most retail investors in India, SIP is recommended because timing the market perfectly is nearly impossible.

You Might Also Like

Related Tools

View All Market Tools โ†’
๐Ÿ“ˆ
New
CAGR Calculator
CAGR, future value & Nifty/FD/PPF benchmark
Try Now โ†’
๐Ÿ“Š
New
Stock Profit/Loss
Net P&L with LTCG, STCG & STT charges
Try Now โ†’
๐Ÿฆ
New
Brokerage Calculator
Zerodha vs Angel One vs Upstox vs Groww
Try Now โ†’
๐Ÿ“ก
New
FII / DII Tracker
Institutional flow data & market sentiment indicator
Try Now โ†’
4.8
โ˜…โ˜…โ˜…โ˜…โ˜…
1.3k ratings
5โ˜…
75%
4โ˜…
16%
3โ˜…
5%
2โ˜…
2%
1โ˜…
2%
Rate this tool
Your feedback helps us improve
TerribleExcellent
Weekly Finance Digest

Stay Ahead of
Every Calculation

Get weekly tips on PPF, SIP, GST changes, income tax updates & tool launch alerts. 12,000+ Indians already subscribed.

๐Ÿ“ŠWeekly tax & finance updates from India
๐Ÿ› ๏ธEarly access to new calculator tools
๐Ÿ’กSmart money tips tailored for Indians
๐Ÿ””GST, ITR deadline reminders
๐Ÿ’ฐ Finance ๐Ÿฅ Health ๐Ÿ“ Math ๐ŸŒพ Agriculture ๐Ÿ’ป Dev Tools
๐Ÿ˜Š๐Ÿง‘๐Ÿ‘ฉ๐Ÿง”๐Ÿ‘จ
โœ‰๏ธ

No spam, ever. Unsubscribe with one click. By subscribing you agree to receive weekly emails from CalcNation.