Calculator
Compare investing a lumpsum against staggering it as a SIP.
Compares investing the whole amount today against splitting it equally each month over the same period — assuming the same constant return.
Entire amount invested today.
Future value
₹37,27,018
₹10,000 every month for 10 years.
Future value
₹23,23,391
At a steady 12% return, the lumpsum ends ₹14,03,627 ahead — but real returns aren't steady, and SIPs smooth out the volatility.
FAQ
Assuming a constant positive return, a lumpsum invested earlier always grows to a larger final value because more money compounds for longer. SIPs are valuable when you can't invest a lumpsum or want to reduce timing risk.
Most evidence favours investing it now, but if a lumpsum would cause sleepless nights, splitting it across 6–12 months (a 'staggered lumpsum') is a reasonable behavioural compromise.
More calculators