Work out rolling sip vs lumpsum instantly with clear inputs, formula shown and shareable results.
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.
Comparison
Lump sum = T(1+r)^n; staged = Σ (T/k)(1+r)^(n-t+1)
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.
Because expected value is not the only concern. Staging limits regret and the chance of a bad entry, which helps investors stay invested.
Then staging can beat a lump sum in practice — the outcome depends on the path, not just the average return.