Compare Lump Sum vs SIP Investments

Make an informed decision about your investment strategy. Compare the growth potential of a one-time lump sum investment versus systematic monthly investments over time.

Strategy Comparison

Compare lump sum vs SIP investments to make informed decisions

Smart Calculations

Get precise calculations for both investment approaches

Compare Investment Strategies

Enter your investment details to compare lump sum and SIP approaches

₹20.00 Lakhs

Years
%

Your Results

Investment Strategy Analysis

Based on your 20 year investment horizon with 12% expected returns

Total Investment

Amount you plan to invest

₹20,00,000

Over 20 years

Monthly SIP

Regular investment needed

₹8,333

Total: ₹19,99,920

Better Strategy

Based on final returns

Lump Sum

By 131.7% margin

Additional Returns

From better strategy

₹1,09,66,687

Extra wealth created

SIP Investment

Monthly systematic investment plan

₹83,25,900

Final Amount

₹19,99,920

Total Investment

₹63,25,980

Total Returns

Return on Investment
316.3%

Lump Sum Investment

One-time investment approach

₹1,92,92,586

Final Amount

₹20,00,000

Total Investment

₹1,72,92,586

Total Returns

Return on Investment
864.6%

Investment Growth Over Time

Compare how both strategies perform year by year

Detailed Analysis

Year by Year Comparison

Track the growth of your investments over time

Investment Summary

Overall performance comparison

Better Performance
Lump Sum
Difference
₹1,09,66,687
131.72%
Lump Sum Leads
SIP Investment
Invested
₹99,996
Value
₹1,06,740
Returns
+6.74%
Lump Sum
Invested
₹20,00,000
Value
₹22,40,000
Returns
+12.00%
Lump Sum Leads
SIP Investment
Invested
₹1,99,992
Value
₹2,27,018
Returns
+13.51%
Lump Sum
Invested
₹20,00,000
Value
₹25,08,800
Returns
+25.44%
Lump Sum Leads
SIP Investment
Invested
₹2,99,988
Value
₹3,62,549
Returns
+20.85%
Lump Sum
Invested
₹20,00,000
Value
₹28,09,856
Returns
+40.49%
Lump Sum Leads
SIP Investment
Invested
₹3,99,984
Value
₹5,15,270
Returns
+28.82%
Lump Sum
Invested
₹20,00,000
Value
₹31,47,039
Returns
+57.35%
Lump Sum Leads
SIP Investment
Invested
₹4,99,980
Value
₹6,87,359
Returns
+37.48%
Lump Sum
Invested
₹20,00,000
Value
₹35,24,683
Returns
+76.23%
Lump Sum Leads
SIP Investment
Invested
₹5,99,976
Value
₹8,81,273
Returns
+46.88%
Lump Sum
Invested
₹20,00,000
Value
₹39,47,645
Returns
+97.38%
Lump Sum Leads
SIP Investment
Invested
₹6,99,972
Value
₹10,99,781
Returns
+57.12%
Lump Sum
Invested
₹20,00,000
Value
₹44,21,363
Returns
+121.07%
Lump Sum Leads
SIP Investment
Invested
₹7,99,968
Value
₹13,46,001
Returns
+68.26%
Lump Sum
Invested
₹20,00,000
Value
₹49,51,926
Returns
+147.60%
Lump Sum Leads
SIP Investment
Invested
₹8,99,964
Value
₹16,23,448
Returns
+80.39%
Lump Sum
Invested
₹20,00,000
Value
₹55,46,158
Returns
+177.31%
Lump Sum Leads
SIP Investment
Invested
₹9,99,960
Value
₹19,36,082
Returns
+93.62%
Lump Sum
Invested
₹20,00,000
Value
₹62,11,696
Returns
+210.58%
Lump Sum Leads
SIP Investment
Invested
₹10,99,956
Value
₹22,88,365
Returns
+108.04%
Lump Sum
Invested
₹20,00,000
Value
₹69,57,100
Returns
+247.85%
Lump Sum Leads
SIP Investment
Invested
₹11,99,952
Value
₹26,85,327
Returns
+123.79%
Lump Sum
Invested
₹20,00,000
Value
₹77,91,952
Returns
+289.60%
Lump Sum Leads
SIP Investment
Invested
₹12,99,948
Value
₹31,32,634
Returns
+140.98%
Lump Sum
Invested
₹20,00,000
Value
₹87,26,986
Returns
+336.35%
Lump Sum Leads
SIP Investment
Invested
₹13,99,944
Value
₹36,36,671
Returns
+159.77%
Lump Sum
Invested
₹20,00,000
Value
₹97,74,225
Returns
+388.71%
Lump Sum Leads
SIP Investment
Invested
₹14,99,940
Value
₹42,04,632
Returns
+180.32%
Lump Sum
Invested
₹20,00,000
Value
₹1,09,47,132
Returns
+447.36%
Lump Sum Leads
SIP Investment
Invested
₹15,99,936
Value
₹48,44,624
Returns
+202.80%
Lump Sum
Invested
₹20,00,000
Value
₹1,22,60,787
Returns
+513.04%
Lump Sum Leads
SIP Investment
Invested
₹16,99,932
Value
₹55,65,784
Returns
+227.41%
Lump Sum
Invested
₹20,00,000
Value
₹1,37,32,082
Returns
+586.60%
Lump Sum Leads
SIP Investment
Invested
₹17,99,928
Value
₹63,78,405
Returns
+254.37%
Lump Sum
Invested
₹20,00,000
Value
₹1,53,79,932
Returns
+669.00%
Lump Sum Leads
SIP Investment
Invested
₹18,99,924
Value
₹72,94,087
Returns
+283.91%
Lump Sum
Invested
₹20,00,000
Value
₹1,72,25,523
Returns
+761.28%
Lump Sum Leads
SIP Investment
Invested
₹19,99,920
Value
₹83,25,900
Returns
+316.31%
Lump Sum
Invested
₹20,00,000
Value
₹1,92,92,586
Returns
+864.63%