Investment Calculators

SIP vs Lumpsum Calculator

Compare the future value of investing a lumpsum vs spreading the same total amount as a monthly SIP.

About the calculator

What is the Mutual Fund SIP vs Lumpsum Calculator?

The Mutual Fund SIP vs Lumpsum Calculator is a free online tool that helps you make informed decisions about your money. Enter your numbers and the calculator gives you instant, accurate results.

Use it to compare scenarios, plan goals and validate assumptions — all without signing up.

Formula used
  • Lumpsum FV
    FV = P × (1 + r)ⁿ
  • SIP FV (monthly = P/n)
    FV = monthly × [((1 + r/12)ⁿ − 1)/(r/12)] × (1 + r/12)

Why use the Mutual Fund SIP vs Lumpsum Calculator?

Financial planning works only when it's specific. The Mutual Fund SIP vs Lumpsum Calculator converts assumptions into concrete numbers — so you can choose between scenarios with confidence rather than guesswork.

How it helps

By tweaking inputs and instantly seeing the impact, you build intuition for how the underlying variables interact. This is far more useful than abstract formulas alone.

What to remember

Calculators show possible outcomes based on the assumptions you provide. Real-world results may vary; review your plan periodically and adjust as your income, goals and circumstances evolve.

Frequently Asked Questions

Because the full amount earns returns from day one.
When markets are volatile or valuations are stretched — SIP averages your entry.
Yes — many investors do a lumpsum + monthly SIP combination.
No, very few succeed consistently. SIP removes timing risk.
Yes — LTCG on equity above ₹1L is taxed at 10%.
SIP is the better option — it builds the corpus over time.

Related Calculators

Zero brokerage. All segments.

Open a Flattrade Account

Trade equity, F&O, currencies and commodities at ₹0 brokerage. Powered by fast execution and advanced trading tools — built for serious investors.

Open Account