SIP vs Lumpsum Calculator India 2025
Compare SIP vs Lumpsum—see which investment style helps you reach your goal faster.
Consider Inflation
Adjust your goal for inflation to maintain purchasing power
Inflation-adjusted goal: ₹1.79 Cr (+₹79.08 L)
One-time Investment Required
₹57.66 L
Lumpsum Investment Details
SIP Investment Details
Monthly SIP Amount
₹77.08 K
SIP requires 60.4% more total investment but is easier on cash flow with monthly installments.
SIP vs Lumpsum: Choose Your Investment Strategy
Our SIP vs Lumpsum calculator helps you determine exactly how much to invest to reach your financial goals. Whether you prefer monthly SIP investments or a one-time lumpsum investment, this tool shows you the precise amounts needed for your target wealth accumulation.
SIP (Systematic Investment Plan) allows you to invest smaller amounts monthly, making it easier on your cash flow. With rupee cost averaging, you buy more units when prices are low and fewer when prices are high, potentially reducing your average cost over time. SIP is ideal for salary earners who want to build wealth systematically.
Lumpsum investment requires a larger upfront amount but is more capital efficient since your entire investment gets the full compounding benefit for the entire duration. If you have a windfall, inheritance, or surplus funds available, lumpsum can be an excellent choice.
The key difference is cash flow and timing. SIP spreads your investment over time with smaller monthly commitments, while lumpsum requires significant upfront capital but typically needs a lower total investment to reach the same goal due to longer compounding periods.
Choose SIP If You
- Have regular monthly income and want to invest systematically
- Want to benefit from rupee cost averaging in volatile markets
- Prefer smaller monthly commitments over large lump sums
- Want disciplined investing without timing the market
Choose Lumpsum If You
- Have surplus funds available for immediate investment
- Want maximum capital efficiency and compounding benefits
- Have received a windfall, bonus, or inheritance
- Believe markets are at attractive valuations
SIP vs Lumpsum Calculator FAQs
Get answers to common questions about choosing between SIP and Lumpsum investment strategies for your financial goals.
Need More Help?
Financial planning requires careful consideration of various factors. Consider consulting with a financial advisor for personalized advice based on your specific situation.