Lump Sum vs SIP Calculator

Should I invest all at once or spread it out?

Compare investing everything today with dripping it in monthly, while the waiting cash earns savings interest.

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How this calculator works

Lump sum grows at the expected return for the full period. SIP invests equal monthly amounts over the chosen months while the rest earns the cash rate; everything then grows to the end of the period.

Frequently asked questions

Which is better?

With steady positive returns, lump sum usually ends higher. Spreading it out reduces the regret of investing just before a fall.

Learn more

Results are estimates based on the numbers you enter and simplified assumptions. They are not financial advice. See our disclaimer.

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