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Lumpsum vs SIP

All at once, or spread out?

For the same total amount, see how investing a lumpsum today compares to staggering it as a SIP — and why the "better" answer depends on more than the math.

Your money

The full sum you have to invest
SIP spreads the amount evenly across this period
Assumed annual return — you choose; not a prediction
Lumpsum value
SIP value (same amount spread)
Lumpsum advantage
Lumpsum (gold) vs SIP (dashed)

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A lumpsum that is fully invested earlier will usually show a higher figure in a steadily rising market — but real markets are volatile, and a SIP spreads your entry across high and low prices, lowering timing risk. This tool is for general education and planning only; it uses the assumed return you choose and does not predict actual results. Returns are not guaranteed and are subject to market risk. Nothing here is investment advice or a recommendation to buy or sell any security or product.