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About this tool
Compare the final corpus of a one-time lumpsum investment against an equivalent monthly SIP at the same return.
Lumpsum vs SIP Comparator puts a one-time investment head to head with a monthly SIP over the same period and the same expected return. By default it splits the lumpsum into equal monthly instalments so both routes invest exactly the same money, then shows each final corpus, the gain and the money multiple. It is for investors sitting on a bonus, maturity amount or windfall who are deciding between investing it all at once and staggering it.
Open Lumpsum vs SIP Comparator on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
The SIP instalment auto-matches the lumpsum total, so you compare routes and not amounts.
Instalments are compounded from the start of each month, the convention Indian fund houses use.
See exactly when the lumpsum pulls ahead and how far behind the SIP is at each stage.
At a constant assumed return the lumpsum always wins, because the whole amount compounds from day one while SIP instalments arrive late. Real markets are not constant, so a SIP can beat a lumpsum if prices fall after you invest.
Divide the lumpsum by the number of months in your horizon — Rs 6,00,000 over 10 years is Rs 5,000 a month. This tool does that automatically when the equal-money option is on.
A Systematic Transfer Plan parks the lumpsum in a liquid fund and moves a fixed amount into equity every month. It behaves like the SIP column here, but the idle money earns liquid-fund returns instead of nothing.
Long-horizon planning commonly uses 10-12% for diversified equity funds and 6-8% for debt. Since both routes use the same rate, the comparison itself stays valid at any rate you pick. This is informational, not investment advice.
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