SIP vs lump sum: start with when your money is available
Compare SIP and lump-sum investing without misleading return comparisons. Understand cash-flow timing, entry risk and the questions to ask.
3 min read
INVEST WITH MORE CLARITY
Lumpsum calculator
Explore how a one-time investment could compound over a chosen period at an assumed annual return.
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An illustration, not a promised return.
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Illustrative future valueIllustration only
Initial investment₹5,00,000
Estimated gain / loss₹7,96,871
Illustrative valueContributions
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Illustrative results only. Rates shown are user-selected assumptions, not product quotes or forecasts. Actual outcomes depend on markets, cash flows, costs and your circumstances.
BEHIND THE NUMBERS
How this calculation works
Future value = initial investment × (1 + annual return)^years. There are no additional contributions or withdrawals in this model.
Returns are treated as effective annual rates. Monthly rate = (1 + annual rate)^(1/12) − 1.
This model uses a constant return. Actual market values fluctuate and can fall. Tax, inflation and exit loads are excluded unless explicitly shown. Use a return assumption net of ongoing fund expenses; do not deduct those expenses twice.
A FEW USEFUL ANSWERS
Before you make a plan
No. Outcomes depend on when money is available, market movements and the investment selected. Comparing different cash-flow dates without accounting for them can be misleading.
No. Tax depends on the type of investment, acquisition and sale dates, applicable rules and your circumstances.
TAKE THE NEXT STEP WITH A PERSON.
Numbers help.
A conversation connects them.
Bring your goals and questions.
Let’s explore what fits your life.
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