An estimate only — starting values are filled in, change them to yours. Nothing you type leaves this page.
What it is
You have a sum ready. Invest it all today, or feed it in as equal monthly SIPs over the same years? This puts the two side by side.
How it's worked out
Lumpsum: the full amount grows for all the years. SIP: the amount is split into equal monthly instalments, each growing only for the months left. Both use the same return; optional tax and inflation are applied to both.
What each input means
- Total Investment Amount: The money you have ready. The SIP spreads this same amount evenly over every month of the period.
- Expected Return Rate (p.a.): The yearly growth % you expect. Markets go up and down, so this is a guess.
- Time Period: For how many years.
- Adjust for Inflation: Turn on to see the result in today's money, after prices rise by this % each year.
- Deduct LTCG Tax: Takes off the tax on equity gains when you sell after a year: 12.5% plus cess on gains above ₹1.25 lakh.
Good to know
With steady returns, lumpsum usually wins because more money is invested for longer. A SIP spreads the risk of entering at a high point, which this steady-return view cannot show.
A quick example
₹5 lakh at 12% for 10 years: about ₹15.5 lakh as a lumpsum, against about ₹9.7 lakh as a ₹4,167 monthly SIP.
This calculator is in the Lekhya app too — offline, no account, and pre-filled from what you track, like your PPF, EPF and NPS. Nothing leaves your phone.
Get LekhyaRelated calculators
- SIP CalculatorWatch a fixed monthly investment grow with compounding
- Lumpsum CalculatorWhat one investment made today could be worth later
- SWP CalculatorA steady monthly payout from a lump sum, and how long it lasts
- CAGR CalculatorThe steady yearly growth behind a start and end value
- FIRE CalculatorHow much you need so work becomes optional
- FD vs SIP CalculatorA deposit's certainty against a SIP's market returns, after tax
- Stock Gain / Loss CalculatorProfit or loss on shares you hold
- Mutual Fund Gain / Loss CalculatorProfit or loss on fund units you hold
- Gold & Silver CalculatorWhat your gold or silver is worth at today's rate
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