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Rolling SIP vs Lumpsum Calculator

Work out rolling sip vs lumpsum instantly with clear inputs, formula shown and shareable results.

About Rolling SIP vs Lumpsum Calculator

With a steadily rising market, investing at once wins because every unit is exposed for longer. Staging reduces the risk of entering just before a fall, and the calculator quantifies exactly what that insurance costs in expected terms.

Formula

Comparison

Lump sum = T(1+r)^n; staged = Σ (T/k)(1+r)^(n-t+1)

Worked example

With the default values below, Rolling SIP vs Lumpsum Calculator returns Value If Invested At Once of $3,960,464.27. Change any input above and every figure here is recalculated in your browser.

Inputs used

Total Amount To Investminimum 0
1,200,000
Expected Annual Returnaccepts 0–100 %
12 %
Months To Spread The Investment Overaccepts 1–60
12
Total Horizon In Yearsaccepts 1–40
10

Results

Value If Invested At Once
$3,960,464.27
Value If Staged Over The Period
$3,751,757.13
Advantage Of Investing At Once
$208,707.14
Which Wins
Lump sum ends ahead at this steady return

Step by step

  1. 1Values used
  2. 2Comparison
  3. 3Value If Invested At Once= 3,960,464.27
  4. 4Value If Staged Over The Period= 3,751,757.13
  5. 5Advantage Of Investing At Once= 208,707.14
  6. 6Which Wins= Lump sum ends ahead at this steady return

Assumptions and limits

  • The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax or fees or charges into account.
  • Figures are rounded for display to 2 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.
  • This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.

Frequently Asked Questions

If lump sum wins, why stage at all?

Because expected value is not the only concern. Staging limits regret and the chance of a bad entry, which helps investors stay invested.

What if markets are volatile?

Then staging can beat a lump sum in practice — the outcome depends on the path, not just the average return.

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