⚖️ SIP vs Lumpsum & Asset Comparison Calculator
Compare investment paths side by side — SIP vs lumpsum, and across asset classes — ranked by post-tax and real return so you can see which actually wins. Switch to Advanced for allocation and goal planning.
ROI & Returns Calculator
Quick CAGR & return estimate
Comparison Settings
Mode
Lump Sum Amount
Years
Tax Slab
Inflation assumption
Assumed Return Rates (editable)
Fixed Deposit
PPF
Debt Mutual Fund
Gold
Equity Mutual Fund
Real Estate
Investment Returns — Answered Directly
25 questions on SIP, mutual funds, PPF, FD, NPS, gold, and real estate. India-specific, updated for Budget 2024 and FY 2025-26.
SIP & Mutual Fund ROI
PPF, FD & Guaranteed Returns
ROI — Core Concepts
Real Estate & Gold ROI
General Investment ROI
What This Compare Calculator Does
- Side-by-side comparison of all six asset types
- Toggle between lumpsum and SIP comparison modes
- Editable expected rates per asset
- Ranked by post-tax value with a real-CAGR column
- Smart banners flag the strongest option for your inputs
Compare — Frequently Asked Questions
Should I compare returns before or after tax?
Always after tax. Two assets with the same headline return can differ sharply once tax applies — equity LTCG at 12.5% versus a debt fund or FD taxed at a 30% slab can swing the post-tax winner. This tool ranks options by post-tax, inflation-adjusted value.
How do I compare SIP against a lumpsum fairly?
Hold the total invested and the time horizon constant. A lump sum puts the full amount to work immediately; a SIP spreads it over time, so a fair comparison uses the same total outlay and the same end date, then compares post-tax corpus.
Why does inflation matter when comparing investments?
A nominal return overstates what you actually gain. With 6% inflation, a 9% FD delivers only ~3% real return, while equity at 12% delivers ~6% real. Comparing real (inflation-adjusted) returns shows the true growth in purchasing power.
Other Calculation Modes
Each mode has its own calculator. The all-in-one ROI Calculator hub lets you pick any mode and switch freely, plus the full 6-module advanced analysis.