Under Development: DhanRadar is currently in pre-release. All content is for testing purposes only, may be inaccurate or incomplete, and should not be relied upon or used for any financial or investment decisions until the official launch.

←
SIP vs Lumpsum
Same money, same return — invest monthly or all at once?

Your Numbers

The same money invested either way — all at once, or spread monthly.

Total AmountThe same money invested either way
₹50,000₹10,00,00,000
YearsInvestment period
1 yr40 yrs
Assumed ReturnYour assumption, not our prediction
1%30%
LumpsumFor your inputs
₹37,27,018
Value at the end
Invested₹12,00,000
Gain₹25,27,018
HowAll at once, today
SIP
₹23,23,391
Value at the end
Invested₹12,00,000
Gain₹11,23,391
How₹10,000/mo
For your inputs, the lumpsum ends about ₹14,03,627 higher than the SIP — the lump is invested longer, so it usually wins when returns are steadily positive; an SIP wins when the market dips early then recovers. Based on your assumptions — not a recommendation.
Read before you compare
  • Neither outcome is guaranteed — a lumpsum wins in steadily rising markets; an SIP softens the risk of a bad entry point.
  • This is only a fair comparison when you already hold the full amount today. Most people run an SIP from monthly income they don't have upfront.
  • Returns are your assumption — try 8%, 10% and 12% to see how the gap moves.
✦

AI Insights

DhanRadar AI

The lumpsum has more time in the market. At 12% assumed return, ₹12L invested today grows for the full 10 years — every month an SIP waits, that month's share earns less.

An SIP smooths your entry point. Investing ₹10,000/mo means you buy at different prices each month — when markets dip early, you accumulate more units and can recover faster than a lumpsum placed at a peak.

For education only — not investment advice. Returns are your own assumption; real markets vary.

✦

Related Calculators

SIP Calculator
See how your monthly investment grows into wealth over time.
Lumpsum Calculator
See how a one-time investment grows over time.
SIP + Lumpsum Calculator
An upfront amount plus a monthly SIP — see them grow together.

Calculations are estimates for illustration only and assume a constant annual return, which real markets do not provide. DhanRadar is a research & analytics platform, not an investment advisor. Mutual fund investments are subject to market risks.