SIP vs Lump Sum Benefit Calculator
Compare Returns from SIP and Lump Sum Investments Instantly
The SIP vs Lump Sum Benefit Calculator helps investors evaluate which investment method—Systematic Investment Plan (SIP) or Lump Sum—may deliver better returns over a defined period. By inputting the investment amount, duration, and assumed return rate (CAGR), the calculator provides a side-by-side comparison of final values, enabling smarter investment decisions for mutual funds or equity investments.
Comparison at 12% CAGR for 2 years
Click Calculate to see results
Why Use the SIP vs Lump Sum Benefit Calculator?
Understand which method suits your cash flow and goals
Compare long-term value of regular vs one-time investments
Visualise financial outcomes with a simple chart
Plan investments with confidence for mutual funds, stocks, or ETFs
Importance and Benefits of the SIP vs Lump Sum Benefit Calculator
Straightforward Comparison Tool
Instantly evaluate which method builds more wealth over time.
Supports Financial Planning
Helps assess which strategy fits your risk profile and budget.
Applicable Across Assets
Useful for mutual funds, equity SIPs, ELSS, and ULIPs.
Visual Insights
Easy-to-understand bar chart aids faster decision-making.
When to Use This Calculator?
Before investing a bonus or lump sum amount
When setting up a monthly SIP plan
While comparing historical or projected returns
During portfolio reviews or cash flow planning
How to Use the SIP vs Lump Sum Benefit Calculator?
Follow these simple steps to calculate the average price of your stock purchases:
Enter the SIP amount and/or lump sum amount
Set the investment duration (in years)
Use the fixed CAGR (12%) or edit it as needed
Click calculate to view the final values and performance comparison
Use the visual comparison chart to guide your decision
Key Terms You Should Know
SIP (Systematic Investment Plan)
A method of investing fixed amounts monthly in mutual funds or stocks.
Lump Sum Investment
One-time, upfront investment of a large amount.
CAGR (Compound Annual Growth Rate)
Yearly rate at which an investment grows, compounded annually.
Future Value (FV)
The amount your investment will grow to after a specific duration.
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