SIP vs lumpsum, with parked cash
Compare deploying a sum all at once against staggering it in over several months, with the not-yet-invested cash parked in a liquid fund so the two approaches are judged on the same money.
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How to use this calculator
Each step names a control you will find on screen above.
- Amount to deploy
The lumpsum you already have and want to put into the market — an inheritance, a bonus, matured FDs.
- Expected return
The annual return you expect from the market you are deploying into. The same figure is used for both approaches, so the comparison is fair.
- Parking return
What the waiting money earns while it is staggered in — a liquid or overnight fund rate. This is the honest part most SIP-vs-lumpsum comparisons leave out.
- Stagger and horizon
Over how many months you feed the money in, and the total years you then stay invested. Compare the two final values and the gap.
Worked example: ₹12 lakh over 12 months
₹12,00,000 to deploy, 12% expected return, 6% parking rate, staggered over 12 months, held 10 years.
What to enter
- Amount
- ₹12,00,000
- Expected return
- 12%
- Parking return
- 6%
- Stagger
- 12 months, 10-year horizon
What it shows you
- Lumpsum, invested now
- ≈ ₹37.27 lakh
- Staggered over 12 months
- ≈ ₹36.35 lakh
- Lumpsum advantage
- ≈ ₹92,000
Where this is taught
A calculator gives you a number. These explain what the number means and when it misleads you.
- Market Basics10 minSIP or lumpsum: which is actually better?You have a large sum — a bonus, a maturity, a flat you sold. Invest it all at once, or spread it out? What the evidence actually says, when each one wins, and the honest middle path.
- Market Basics11 minSIP mechanics, and what actually mattersThe date does not matter. The step-up does. What rupee cost averaging really achieves, and the one thing that determines whether a SIP works.
- Market Basics12 minTaking money out: SWP, STP and the withdrawal problemEvery lesson so far has been about putting money in. Drawing it out has its own arithmetic, and getting the sequence wrong can empty a corpus that should have lasted.
- Risk & Psychology10 minWhere each month’s money goesAllocation decides where money goes. This decides whether it goes at all — a written order of priority, settled once, so that twelve decisions a year become none.
- Market Basics12 minAnnuities, NPS at sixty, and turning a corpus into an incomeBuilding the corpus is the part everyone plans for. Converting it into forty years of monthly income is the part almost nobody does — and the default option is rarely the best one.