Lumpsum vs SIP Calculator

Lumpsum vs SIP Calculator | The SIP Sage

Lumpsum vs SIP Calculator

Compare investment strategies and discover which approach works better for your financial goals

Investment Details

10 years
12%
Low Medium High

Investment Strategies

💎 Lumpsum Investment

  • One-time investment
  • Beneficial in rising markets
  • Higher risk, higher potential reward
  • Requires market timing
  • Better for large cash inflows

📈 SIP (Systematic Investment Plan)

  • Regular monthly investments
  • Rupee cost averaging
  • Lower risk, consistent returns
  • No market timing required
  • Ideal for salaried individuals

💡 Pro Tip

Consider a hybrid approach: Invest 40-60% as lumpsum and the rest through SIP to balance risk and returns.

Investment Comparison Results

See how your investment strategies perform over time

Lumpsum Investment
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Total Returns
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Return %
SIP Investment
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Total Returns
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Return %

Investment Strategy Insights

📊 Market Analysis

Based on your inputs, here's how each strategy performs...

⚡ Best Use Cases

Lumpsum works best when... SIP is ideal for...

🛡️ Risk Assessment

Lumpsum carries... risk while SIP provides...

🎯 Recommendation

Considering your profile, we recommend...

Disclaimer: This calculator provides estimates based on your inputs. Actual returns may vary based on market conditions. Past performance is not indicative of future results. Consider consulting with a financial advisor before making investment decisions.

About the Author

Anindya Ray is an AMFI-registered Mutual Fund Distributor and an IRDAI-licensed Insurance Agent. With hands-on experience in helping people make informed financial decisions and spreading personal finance awareness, he is deeply committed to guiding Indian families through their financial journey with clarity, confidence, and purpose.

Driven by the belief that financial literacy is the foundation of financial freedom, Anindya works at the grassroots level to simplify complex topics like investing, insurance, and money habits for everyday individuals across all walks of life.

The SIP Sage is his personal initiative—a non-commercial financial awareness blog—dedicated to breaking down money matters into easy, relatable insights for the Indian middle class.

Note: No online services or products are offered or solicited through this platform. For offline, personalized financial guidance, Anindya may be contacted directly via WhatsApp or email.