finance Tool

SIP vs Lump Sum Calculator

Compare the projected returns of a one-time lump sum investment against regular monthly SIP investments.

Lump Sum Strategy
$155,625.00

Total Invested: $60,000.00

Estimated Gains: +$95,625.00

Monthly SIP Strategy
$103,276.00

Total Invested: $60,000.00

Estimated Gains: +$43,276.00

Financial & Calculation Disclaimer

Burnjet provides calculators and educational tools for general informational purposes only. Results depend strictly on the mathematical assumptions you enter and do not guarantee future financial, stock market, or tax outcomes. This tool does not provide financial, investment, legal, or professional tax advice.

How It Works

Runs parallel calculations of compound lump sum growth vs dollar-cost averaged SIP compounding.

Formula & Logic

LumpSum = P(1+r)^t vs SIP = PMT × [((1+i)^n - 1) / i] × (1+i)

Frequently Asked Questions

Common questions about calculations, assumptions, and edge cases.

Yes, SIP vs Lump Sum Calculator is 100% free with unlimited calculations and zero paywalls or subscriptions.