SIP vs Lumpsum: Which Builds More Wealth?
SIP (₹5,000/mo) vs Lump sum (₹6,00,000) compared side by side — the differences, the numbers, and which to choose.
Find the compound annual growth rate between two values over time.
Verified formula Updated Jun 2026 Private — runs on your device
CAGR
14.86%
For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.
The CAGR Calculator works out your cagr, along with 2 related figures in an instant. Enter initial value, final value and start date and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.
For example, with initial value of ₹100,000, final value of ₹200,000, start date of 2019-06-01 and end date of 2024-06-01, the cagr is 14.86%.
| Initial value | ₹100,000 |
|---|---|
| Final value | ₹200,000 |
| Start date | 2019-06-01 |
| End date | 2024-06-01 |
| Duration | 5 years |
|---|---|
| CAGR | 14.86% |
| Absolute return | 100.00% |
Results are estimates for educational use, not professional advice.
SIP (₹5,000/mo) vs Lump sum (₹6,00,000) compared side by side — the differences, the numbers, and which to choose.
For long-term stock-market investing, an average annual return of about 7–10% (after inflation, roughly 7%) is widely considered good. For a one-off project, a positive ROI that beats safer alternatives is the benchmark. 'Good' always depends on the risk taken and the time involved.
A clear introduction to mutual funds — what they are, the main types, active versus index funds, how returns and costs work, taxation, and how to choose funds that match your goals.
Reference table of duration for CAGR across a range of initial value values — exact, engine-computed figures you can read off at a glance.
Estimate the maturity value of your monthly SIP mutual-fund investments.
Calculate your monthly loan EMI, total interest and total payment.