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Friday, March 27, 2026
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Lump Sum vs SIP (DCA) Calculator

Compare final portfolio value and risk-adjusted outcomes for lump sum versus DCA.

Scenario Inputs

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%
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Recommendation
Lump sum shows a stronger risk-adjusted outcome under these assumptions.
Risk-adjusted view applies a configurable penalty to lump sum concentration risk.
Lump sum final value
$259,071
SIP/DCA final value
$184,166
Lump sum risk-adjusted
$255,185
DCA risk-adjusted
$184,166
Visual Comparison
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Should you invest a lump sum or spread it with SIP/DCA in 2026? This calculator compares final value and a simple risk-adjusted comparison using your assumptions.