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?

1

Understand which method suits your cash flow and goals

2

Compare long-term value of regular vs one-time investments

3

Visualise financial outcomes with a simple chart

4

Plan investments with confidence for mutual funds, stocks, or ETFs

Importance and Benefits of the SIP vs Lump Sum Benefit Calculator

Straightforward Comparison Tool

Straightforward Comparison Tool

Instantly evaluate which method builds more wealth over time.

Supports Financial Planning

Supports Financial Planning

Helps assess which strategy fits your risk profile and budget.

Applicable Across Assets

Applicable Across Assets

Useful for mutual funds, equity SIPs, ELSS, and ULIPs.

Visual Insights

Visual Insights

Easy-to-understand bar chart aids faster decision-making.

When to Use This Calculator?

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Before investing a bonus or lump sum amount

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When setting up a monthly SIP plan

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While comparing historical or projected returns

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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:

1

Enter the SIP amount and/or lump sum amount

2

Set the investment duration (in years)

3

Use the fixed CAGR (12%) or edit it as needed

4

Click calculate to view the final values and performance comparison

5

Use the visual comparison chart to guide your decision

Key Terms You Should Know

1

SIP (Systematic Investment Plan)

A method of investing fixed amounts monthly in mutual funds or stocks.

2

Lump Sum Investment

One-time, upfront investment of a large amount.

3

CAGR (Compound Annual Growth Rate)

Yearly rate at which an investment grows, compounded annually.

4

Future Value (FV)

The amount your investment will grow to after a specific duration.

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Frequently Asked Questions