SIP vs Lump Sum Calculator

Not necessarily — a lump sum invested at the start has more time in the market to compound, which can outperform in a rising market, but it also carries more timing risk if invested right before a downturn. SIP spreads that entry-timing risk across multiple purchase points.

By investing a fixed amount at regular intervals, you automatically buy more units when prices are low and fewer when prices are high, which averages out your purchase cost over time compared to investing everything at a single price point.

No — it projects both scenarios using the same assumed return rate you enter, so the comparison shows the mathematical effect of timing and compounding, not a prediction of real future market performance.