Calculator

Lumpsum Calculator

See how a single one-time investment compounds into a larger corpus over your chosen period.

A lumpsum calculator shows the future value of a one-time investment. Enter the amount, an expected annual return and the number of years, and it estimates the maturity value and how much of it is pure growth.

When does a lumpsum make sense?

A lumpsum works best when you already have a sizeable amount to invest — a bonus, a maturity payout, or sale proceeds — and a long horizon to ride out market swings. The longer the money stays invested, the more compounding compounds on itself.

How is lumpsum growth calculated?

The calculator applies your expected annual return to the full amount, compounding it once a year for the chosen period. Because the whole sum is invested from day one, a lumpsum can outgrow an equivalent SIP when markets rise steadily — but it also carries more timing risk.

💡 Worked example

Invest ₹5,00,000 once at an assumed 12% for 15 years and it could grow to about ₹27.4 lakh — more than five times your money, entirely from compounding.

FAQ

Lumpsum questions

Is lumpsum riskier than a SIP?

It carries more timing risk because the entire amount is exposed to the market from day one. A SIP spreads entry across many months, softening the impact of a bad start.

Should I invest a lumpsum all at once?

If your horizon is long, investing sooner usually beats waiting. If you are nervous about market levels, you can stagger a lumpsum into a few tranches over a few months.

What return should I use for a lumpsum?

The same realistic long-term figures apply: roughly 11–13% for diversified equity, less for hybrid and debt funds.

Does the lumpsum calculator account for tax?

No. It shows pre-tax growth. Capital-gains tax applies when you redeem, and the rate depends on the fund type and holding period.

Keep exploring

When does a lumpsum make sense?

How is lumpsum growth calculated?

💡 Worked example

Lumpsum questions

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