# SIP vs Lumpsum vs STP Calculator

> Free SIP vs lumpsum vs STP calculator. Invest the same amount all at once, monthly from savings, or through a liquid-fund STP, and compare the final value of each.

You have a sum to invest. Put it in **all at once**, spread it as a **SIP** while the rest waits in a savings account, or use an **STP** from a liquid fund? Compare the final value of all three.

Use the free tool here: https://saraltools.in/sip-vs-lumpsum-calculator/

## The three ways to invest a sum

- **Lumpsum:** everything goes into the equity fund on day one.
- **STP:** the money sits in a liquid fund and moves into equity in equal monthly parts. Read more in the [STP calculator](https://saraltools.in/stp-calculator/).
- **SIP from savings:** the money sits in your bank account and you invest a part every month.

## What the numbers mean

With one steady return, lumpsum is always highest, STP next and SIP from savings lowest. The gap is the price of spreading your entry. What the steady numbers cannot show is the risk: if the market falls 20% a month after a lumpsum, the lumpsum suffers the full fall, while STP and SIP keep buying at lower prices.

## A simple rule many investors follow

- Monthly income → SIP.
- A large sum and a long goal → STP over 6 to 12 months.
- A small sum, or markets already well below their peak → lumpsum.

## Frequently asked questions

### Which is better, SIP or lumpsum?

With steady returns, a lumpsum always ends higher because all the money works from day one. In real markets, a fall soon after a lumpsum hurts a lot, while SIP and STP buy more units when prices are low. If the amount is large and the goal is long, many people choose STP as a middle path.

### Why is STP higher than SIP here?

In the SIP option the money that is not yet invested waits in a savings account. In the STP option it waits in a liquid fund, which usually earns more.

### Does this include market ups and downs?

No. It uses one steady return for each option so the comparison is clean. Real returns vary, which is exactly why SIP and STP exist.

### What savings account rate should I use?

Most savings accounts pay 2.5% to 3.5% a year. Use your bank's rate.

## Related tools

- [SIP Calculator](https://saraltools.in/sip-calculator/): Estimate mutual fund SIP value, with optional yearly step-up.
- [Lumpsum Calculator](https://saraltools.in/lumpsum-calculator/): What a one-time mutual fund investment could grow to, in today's money too.
- [SWP Calculator (Systematic Withdrawal Plan)](https://saraltools.in/swp-calculator/): Monthly income from your corpus: how long it lasts and the safe amount.
- [SIP to SWP Calculator](https://saraltools.in/sip-swp-calculator/): SIP now, monthly pension later: corpus and the income it can pay.
- [STP Calculator (Systematic Transfer Plan)](https://saraltools.in/stp-calculator/): Park a lumpsum in a liquid fund and move it to equity month by month.
- [SIP Cost of Delay Calculator](https://saraltools.in/sip-delay-cost-calculator/): How much less you end up with if you start your SIP a few years late.

Last updated: 2026-11-01

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SaralTools (https://saraltools.in/): Free Indian calculators, document makers and photo tools. Contact: help@saraltools.in. Results are estimates, not tax, legal or financial advice.