Calculators / Investing
Lumpsum vs SIP Calculator
You have a sum in hand. Invest it all now, or drip it in monthly? Compare the two outcomes.
Compare investing a lumpsum today against spreading the same money into a SIP over time.
Questions, answered
So is lumpsum always better?
On average, lumpsum wins because markets rise more often than they fall, so money invested earlier compounds longer. A SIP wins when markets dip during the spread, letting you buy cheaper. The SIP advantage is lower stress and discipline, not usually higher returns.
Free calculator from Qubera. Loading the interactive version…