WealthMist

SIP vs Lump-Sum Simulator

Compare Systematic Investment Plan (SIP) with Lump-Sum investment to make informed decisions

Investment Strategy Comparison

SIP Investment

Total Invested:₹6,00,000
Future Value:₹11,50,193
Total Returns:₹5,50,193
Return %:91.7%

Lump Sum Investment

Total Invested:₹1,00,000
Future Value:₹3,10,585
Total Returns:₹2,10,585
Return %:210.6%

🏆 SIP Wins!

SIP generates ₹8,39,609 more than Lump Sum

Based on 12% annual returns over 10 years

Year-wise Comparison

Year
SIP Invested
SIP Value
SIP Returns
Lump Sum Value
Lump Sum Returns
Difference
1
₹60,000
₹63,413
₹3,413
₹1,12,000
₹12,000
₹-48,587
2
₹1,20,000
₹1,34,867
₹14,867
₹1,25,440
₹25,440
+₹9,427
3
₹1,80,000
₹2,15,384
₹35,384
₹1,40,493
₹40,493
+₹74,892
4
₹2,40,000
₹3,06,113
₹66,113
₹1,57,352
₹57,352
+₹1,48,761
5
₹3,00,000
₹4,08,348
₹1,08,348
₹1,76,234
₹76,234
+₹2,32,114
6
₹3,60,000
₹5,23,550
₹1,63,550
₹1,97,382
₹97,382
+₹3,26,167
7
₹4,20,000
₹6,53,361
₹2,33,361
₹2,21,068
₹1,21,068
+₹4,32,293
8
₹4,80,000
₹7,99,636
₹3,19,636
₹2,47,596
₹1,47,596
+₹5,52,040
9
₹5,40,000
₹9,64,463
₹4,24,463
₹2,77,308
₹1,77,308
+₹6,87,155
10
₹6,00,000
₹11,50,193
₹5,50,193
₹3,10,585
₹2,10,585
+₹8,39,609

💡 Key Insights

Market Timing: SIP works better in volatile markets, while Lump Sum excels in consistently rising markets.

Risk Management: SIP reduces the impact of market volatility through rupee cost averaging.

Investment Amount: Lump Sum requires a large upfront investment, while SIP allows small regular investments.

Time Horizon: Longer time periods generally favor SIP due to compounding benefits.

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