SIP vs Lumpsum Calculator

Invest all at once, or spread it over months? Compare both.

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About this calculator

You have a sum ready to invest. Compare putting it all in today with moving it in monthly instalments while the rest waits in a low-risk fund — the way a systematic transfer plan (STP) works.

How is this calculated?

Option A grows the whole amount at the assumed return from day one. Option B moves an equal instalment each month into the investment; the money still waiting earns the lower “waiting” return. Both are valued at the end of the total period.

Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.