Inputs
Provide SIP monthly amount, lump sum, return & years.
SIP Mechanics
Monthly contributions + compounding.
Lump Sum
One-time capital grows uninterrupted.
Tips
- Blend both
- Reinvest gains
- Stay disciplined
SIP Maturity
₹0
Lump Maturity
₹0
SIP Gain
₹0
Lump Gain
₹0
Difference (Maturity)
₹0
i SIP vs Lumpsum Guide
Educational only – ignores tax, fees, volatility & behavioural impact.
Formulas
SIP: FV ≈ P * (( (1+i)^n -1 ) / i ) * (1+i); i = annual% /12; n = months.
Lump: FV ≈ L * (1+r)^y.
When SIP Helps
Volatile or sideways markets – rupee‑cost averaging smooths entry price.
When Lump Wins
Early sustained uptrends – more capital compounding from day 1.
Risks
- Sequence risk on lump sum timing.
- Stopping SIPs during drawdowns.
- Overestimating return % (planning gap).