SIP vs Lumpsum Calculator
Which investment strategy gives more wealth? Live comparison with rupee cost averaging
Standard comparison at same market level
Lumpsum wins by ₹14.0 L
Lumpsum beats SIP because full amount compounds from day 1
SIP
₹₹10,000/month × 120 months
₹23.2 L
Invested: ₹12.0 L
Gain: +₹11.2 L
Return: 93.6%
VS
🏆 Winner
Lumpsum
₹12.0 L invested at start
₹37.3 L
Invested: ₹12.0 L
Gain: +₹25.3 L
Return: 210.6%
💡 Rupee Cost Averaging — How SIP Protects You
Market falls → You buy more units at lower price
Market rises → Your existing units gain more value
No timing risk — removes emotion from investing
Lumpsum beats SIP when invested at market lows
🤔 When to Choose Which?
📅 Choose SIP When
✅ You have regular monthly income
✅ Market is at all-time high
✅ You are a first-time investor
✅ You can't monitor markets daily
✅ Volatile / uncertain market
💰 Choose Lumpsum When
✅ Market is at a significant dip/correction
✅ You have idle cash (bonus, inheritance)
✅ Long horizon (10+ years)
✅ Bull market with strong fundamentals
✅ You understand market cycles
SIP vs Lumpsum Calculator India — 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 — 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.