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Related Calculators
SIP Calculator
Project the future value of a monthly Systematic Investment Plan.
Lumpsum Calculator
Calculate the future value of a one-time investment.
Step-Up SIP Calculator
SIP with an annual percentage increase in investment.
SWP Calculator
Plan fixed monthly withdrawals from your investment corpus.
XIRR Calculator
Calculate returns for irregular cash flows.
CAGR Calculator
Calculate the point-to-point annualized growth rate.
How it works
Compare the final value of investing a fixed amount every month versus a single one-time investment of the same total capital.
The formula
FV(SIP) vs FV(Lumpsum)- SIP
- Monthly Investment
- Lumpsum
- Total Capital invested at once
Worked example
Comparing ₹10k monthly for 10 years vs ₹12L one-time for 10 years.
Pro tips
- SIP is generally safer due to rupee-cost averaging.
- Lumpsum can be better in long bull markets if capital is available.
Common mistakes
- Assuming one is always better than the other without considering risk.
Go deeper
Related lessons
Concepts to explore
Institutional grade calculations are illustrative and for educational wealth architecture. Results do not constitute investment advice.