SIP vs Lumpsum Wealth Planner

Compare side-by-side growth models of systematic SIPs (with step-up) against a one-time Lumpsum investment.

100% Client-Side Calculations

Global Investment Settings

Expected Return Rate (% p.a.) 12%

Investment Horizon (Years) 15 Years

Systematic Investment Plan (SIP)

Monthly SIP Amount (₹) ₹ 10,000

Annual Step-up Increment (%) 10%

Increases your monthly SIP investment by this percentage every year automatically.

Lumpsum Investment

One-time Lumpsum Amount (₹) ₹ 10,00,000

Rupee Cost Averaging Advantage

A **SIP** mitigates market timing risk by spreading purchases. Adding an **annual step-up** (e.g. 10%) dramatically accelerates your wealth creation timeline, aligning with salary growth. **Lumpsum** maximizes compound return duration but requires precise timing to avoid local market peaks.

Investment Projections

SIP Mode

Maturity Value

₹ 0

Invested: ₹ 0

Lumpsum

Maturity Value

₹ 0

Invested: ₹ 0

Side-by-Side Annual Projections

Year	SIP Cumulative Invested	SIP Estimated Value	Lumpsum Invested	Lumpsum Estimated Value

Legal Disclaimer

This calculator is provided solely for informational and educational purposes. Calculations are estimates based on standard algorithmic rules and inputs, and should not be construed as professional financial, legal, or tax advice. Actual tax liabilities and financial structures may vary depending on corporate policies, jurisdiction, and individual circumstances. Please consult with a certified financial planner or tax advisor before making any financial decisions.

Frequently Asked Questions

Quick direct-answer guides about using this utility tool locally and securely.

What is a Step-up SIP?

A Step-up SIP allows you to increase your monthly investment amount by a fixed percentage (e.g., 10%) every year. This helps grow your wealth exponentially by matching your increasing income and saving capacity.

When is Lumpsum investment better than SIP?

Lumpsum investments generally outperform SIPs during market lows or when starting a long-term investment horizon, as the entire principal gains compounding returns from day one. However, SIPs offer better risk management through averaging.