See what a single, one-time investment could become over time with compounding. Enter an amount, an expected return and a time period.
A lumpsum invests a single amount all at once, so it works best when you have a windfall (a bonus, maturity proceeds) ready to invest and are comfortable with market timing. A SIP spreads smaller amounts across months, averaging your purchase price. Many investors use both: a lumpsum for money they have now, and a SIP for money they save each month.
The growth shown assumes a steady annual return, which is an illustration only. Market-linked investments are not guaranteed and returns vary year to year, including negative years. Treat any rate you enter as illustrative rather than promised.
It uses compound growth: final value = amount x (1 + annual return)^years. Each year's growth is added to the base, so returns compound over time.
Neither is universally better. A lumpsum can do well if markets rise after you invest, but worse if they fall soon after. A SIP averages your entry across months. Use a lumpsum for money you have now, a SIP for monthly savings.
Read the guide: Lumpsum vs SIP: which is better? →
Last updated: August 2026. Estimates only; market returns are not guaranteed.