# SIP vs Lumpsum Calculator: Which Grows More? > SIP vs lumpsum calculator: compare a monthly SIP with investing the same total on day one, and the lump sum today that would match your SIP's final value. Source: https://trykosh.com/tools/sip-vs-lumpsum-calculator Free tool - Investing # SIP vs lumpsum calculator Compare spreading money through a SIP with investing the same total at once. Both are grown at the same assumed return so the difference is purely about timing. Rules checked 25 October 2026Free - no sign-upRuns in your browser Lump sum ends ahead by INR 16,37,074 if all INR 12,00,000 were invested on day one at the same return SIP value**INR 23,23,391** Lump sum value**INR 39,60,464** Lump sum today that matches the SIP**INR 7,03,975** SIP **INR 23,23,391**Lump sum **INR 39,60,464** Same INR 12 lakh in total, same 12% return Year SIP invested SIP value Lump sum value Year 1 INR 1,20,000 INR 1,28,093 INR 13,52,190 Year 2 INR 2,40,000 INR 2,72,432 INR 15,23,682 Year 3 INR 3,60,000 INR 4,35,076 INR 17,16,923 Year 4 INR 4,80,000 INR 6,18,348 INR 19,34,671 Year 5 INR 6,00,000 INR 8,24,864 INR 21,80,036 Year 6 INR 7,20,000 INR 10,57,570 INR 24,56,519 Year 7 INR 8,40,000 INR 13,19,790 INR 27,68,067 Year 8 INR 9,60,000 INR 16,15,266 INR 31,19,128 Year 9 INR 10,80,000 INR 19,48,215 INR 35,14,711 Year 10 INR 12,00,000 INR 23,23,391 INR 39,60,464 Both are compounded monthly at 12% so the comparison is fair. Real markets don't move in a straight line, which is where a SIP's averaging helps. Mutual fund investments are subject to market risks. Past returns don't guarantee future ones; the rate here is an assumption. ## Upload your statement and Kosh does this for you. Upload your statements and Kosh tracks every SIP, FD and deposit in one place, and shows how far you are from each goal. [Start free](/signup?via=tool-sip-vs-lumpsum-calculator) ## How the SIP vs lumpsum calculator works Enter a monthly SIP, a period and an assumed return. The calculator works out the SIP's value at the end, then imagines you had the SIP's entire total on day one and invested it as a lump sum for the same period. To keep the comparison fair, both are compounded monthly at the same rate. The lump sum ends far ahead because every rupee is invested from the first day, while the SIP's later instalments get only a few months of growth. The more useful number for most people is the third one: the lump sum you'd need today to end up with the same value as the SIP. That's the SIP's final value discounted back at the same return, and it's much smaller than the SIP's total because most SIP money is invested late. What the calculator can't show is volatility. Markets don't rise in a straight line. A SIP buys more units when prices are low and fewer when they're high, so in choppy or falling markets it can beat a badly timed lump sum. SIP: P x \[((1 + i)ⁿ − 1) / i\] x (1 + i) Lump sum: (P x n) x (1 + i)ⁿ P monthly SIP n months i monthly rate ## Worked example: Farhan's INR 36 lakh question Farhan, 38, can invest INR 20,000 a month for 15 years: INR 36 lakh in all. At an assumed 12%, the SIP could reach about INR 1.01 crore, while INR 36 lakh invested on day one would reach about INR 2.16 crore. But he doesn't have INR 36 lakh today. The useful comparison is that a lump sum of INR 16.83 lakh now would do the same job as his 15-year SIP. Lump sum ends ahead by INR 1,14,93,367 if all INR 36,00,000 were invested on day one at the same return SIP value**INR 1,00,91,520** Lump sum value**INR 2,15,84,887** Lump sum today that matches the SIP**INR 16,83,098** SIP **INR 1,00,91,520**Lump sum **INR 2,15,84,887** Both are compounded monthly at 12% so the comparison is fair. Real markets don't move in a straight line, which is where a SIP's averaging helps. Mutual fund investments are subject to market risks. Past returns don't guarantee future ones; the rate here is an assumption. [Load this example into the calculator ->](?monthly=20000&years=15#calculator) ## Good to know - If you earn monthly and invest monthly, you're not really choosing between SIP and lumpsum: the SIP is simply investing money as it arrives. - The real choice comes with a windfall such as a bonus or property sale. Then you can invest at once, or stagger it through an STP over 6 to 18 months to reduce timing risk. - Rupee cost averaging lowers your average cost per unit when prices fluctuate, but it doesn't guarantee a profit or protect against a long fall. ## Frequently asked questions Which is better, SIP or lumpsum? With the same return, a lump sum grows more because the money is invested longer. In practice, a SIP suits regular income and reduces the risk of investing everything at a market high, while a lump sum suits money you already have and a long horizon. Mutual fund investments are subject to market risks either way. Why does the SIP show a lower value than the lump sum? Because the comparison assumes you had the SIP's full total on day one. Most SIP instalments are invested years later and compound for less time. It's not that SIPs earn a lower return; they're invested later. What is rupee cost averaging? When you invest a fixed amount regularly, you buy more units when the NAV is low and fewer when it's high. Over time your average cost per unit ends up below the average NAV over the same period. Can I do both SIP and lumpsum in the same fund? Yes. Most funds let you run a SIP and add lump sums (additional purchases) whenever you like. Each purchase is a separate lot for tax. ## Sources and assumptions - [SEBI investor education](https://investor.sebi.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.