SIP Calculator 2
SIP Calculator
Compare SIP and Lumpsum investments to make informed financial decisions
SIP Calculator
Lumpsum Calculator
Comparison
SIP Investment Details
₹5,000
10 years
12%
6%
Apply Inflation Adjustment
Calculate Tax Implications
SIP Investment Results
Total Investment
₹6,00,000
Expected Returns
₹6,16,033
Final Value
₹12,16,033
After Tax Value
₹11,54,430
Inflation-Adjusted Value
₹6,78,442
SIP Investment Breakdown
| Year | Investment Amount | Interest Earned | Total Value | Inflation-Adjusted Value |
|---|
Lumpsum Investment Details
₹1,00,000
10 years
12%
6%
Apply Inflation Adjustment
Calculate Tax Implications
Lumpsum Investment Results
Total Investment
₹1,00,000
Expected Returns
₹2,10,585
Final Value
₹3,10,585
After Tax Value
₹2,89,527
Inflation-Adjusted Value
₹1,73,421
Lumpsum Investment Breakdown
| Year | Investment Amount | Interest Earned | Total Value | Inflation-Adjusted Value |
|---|
SIP vs Lumpsum Comparison
Value Growth Comparison
Returns Comparison
| Parameter | SIP Investment | Lumpsum Investment | Difference |
|---|---|---|---|
| Total Investment | ₹6,00,000 | ₹1,00,000 | ₹5,00,000 |
| Total Returns | ₹6,16,033 | ₹2,10,585 | ₹4,05,448 |
| Final Amount | ₹12,16,033 | ₹3,10,585 | ₹9,05,448 |
| After Tax Value | ₹11,54,430 | ₹2,89,527 | ₹8,64,903 |
| Inflation-Adjusted Value | ₹6,78,442 | ₹1,73,421 | ₹5,05,021 |
| Return on Investment (ROI) | 102.67% | 210.59% | -107.92% |
Key Insights
- SIP Advantage: Regular investments help in rupee cost averaging and is better for disciplined investing over time.
- Lumpsum Advantage: Higher ROI when market conditions are favorable from the start and you have a large amount ready to invest.
- Recommendation: Based on your inputs, Lumpsum shows a higher ROI, but SIP generates more absolute returns due to higher total investment.
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