Lumpsum vs SIP — invest all at once, or spread it out?
The same total money, deployed two different ways: all at once today, or staggered monthly. Which wins depends heavily on the path the market actually takes — compare both on your own amount and horizon.
Lumpsum Calculator vs SIP Calculator — 10-year comparison
Opens Compare Lab pre-loaded with both, in your own currency — adjust any input and the chart updates instantly.
Compare now →A one-time amount invested into equity mutual funds all at once, rather than spread out over time.
Best for: A windfall (bonus, inheritance, asset sale) when you don't have another pressing use for it and can leave it invested long-term.
A fixed amount invested into equity mutual funds every month, automatically, regardless of whether the market is up or down.
Best for: Long-term goals (7+ years) where you can tolerate volatility for higher growth potential.
Is lumpsum always worse than SIP?
No — in a rising market, a lumpsum invested early usually outperforms a SIP of the same total amount, since more money is exposed to the gains for longer. SIP's advantage shows up mainly when the market is volatile or falling early in the period.
Where do these numbers actually come from?
The same calculation engine that powers our standalone calculators and Compare Lab — nothing here is a separate or simplified estimate. Every assumption (rate, tenure, tax) is visible and adjustable once you open the comparison with your own numbers.