SIP vs Lumpsum Calculator: Which Strategy Creates More Wealth?
Should you invest a lump sum all at once or stagger it into monthly Systematic Investment Plans (SIP)? Compare side-by-side projected returns, total wealth gain, and examine the crossover points between the two strategies.
Common Parameters
12%
10 Years
Scenario A: Lumpsum Higher Maturity
Expected Maturity Value
₹ 31,05,848
Pure Wealth Created:+₹ 21,05,848
Scenario B: Monthly SIP
Expected Maturity Value
₹ 23,23,391
Total Capital Deposited:₹ 12,00,000
Pure Wealth Created:+₹ 11,23,391
Decision Takeaway: In a steadily rising bull market, investing a lump sum earlier gives your full capital the longest compounding window, resulting in ₹ 7,82,457 more final wealth. However, during volatile or all-time-high market peaks, a Systematic Transfer Plan (STP) or monthly SIP protects against downside corrections through rupee-cost averaging.
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