Lump Sum vs SIP Calculator
Compare lump sum investing vs monthly SIP side by side.
All calculations happen locally in your browser — nothing is uploaded, stored or tracked.
Enter the total amount
The money you have to invest.
Set the horizon and return
Years and expected annual return.
Compare
Lump sum vs SIP, with the difference.
What Is the Lump Sum vs SIP Question?
If you have a large amount to invest, should you put it all in at once (lump sum) or spread it in monthly instalments (SIP)? Over long horizons, lump sum usually wins mathematically because money invested earlier earns longer — but SIP smooths timing risk and is easier to stick with.
The calculator runs both scenarios at the same assumed return: the lump sum compounds for the full period, while the SIP invests monthly. The comparison shows the difference and the timing-risk trade-off.
The Math
The SIP here assumes the total lump sum is deployed as equal monthly instalments over the period — the standard comparison.
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Every calculation on this site runs in your browser using vanilla JavaScript. Nothing is uploaded, stored or tracked.
- 100% local, client-side calculations
- No data stored on any server
- No tracking, no analytics, no ads scripts
- Works offline once loaded
Frequently Asked Questions
Is lump sum or SIP better?
On average over long periods, lump sum wins mathematically because of longer time in the market — but SIP reduces the risk of bad entry timing and suits regular income.
Why does lump sum usually win?
Money compounds from day one. SIP keeps part of the money uninvested until later months, missing earlier growth.
When is SIP better?
When you expect a market downturn early in the period, or when you are investing from regular income rather than a single windfall.
Does the comparison include a step-up?
The base comparison uses fixed instalments; the SIP calculator adds step-up scenarios.
Is this financial advice?
No — it is a pure math comparison at the return you assume.