Lumpsum Calculator

What This Lumpsum Calculator Does

Unlike a SIP, a lumpsum investment puts your entire amount to work on day one. This calculator projects what a one-time investment could grow into after a chosen number of years, at an expected annual rate of return.

The Formula

Lumpsum growth is straightforward compound growth: FV = P × (1 + r)^t, where P is your invested principal, r is the expected annual return (as a decimal), and t is the number of years. Because there is only one investment date, there is no monthly compounding subtlety to account for, unlike a SIP.

How to Use It

Enter your investment amount, the annual return you expect, and your time horizon in years. The projected total value, along with the estimated returns portion, updates immediately as you adjust any of the three inputs.

Lumpsum vs SIP

A lumpsum investment benefits fully from every year of compounding immediately, which can outperform an equivalent SIP if markets rise steadily from day one. A SIP, on the other hand, spreads your entry price across many months, which can soften the blow of investing right before a downturn. Neither approach is universally "better" - it depends on whether you already have the capital available and your comfort with market timing. Try the same total amount in both this calculator and the SIP Calculator to compare.

Who This Is For

Investors who have a lumpsum available today - a bonus, maturity proceeds from another investment, or savings - and want to estimate its long-term growth potential in a mutual fund before deciding whether to invest it all at once or stagger it in.

Quick Example

₹5,00,000 invested as a lumpsum at an expected 12% annual return grows to approximately ₹15,52,924 after 10 years - roughly ₹10,52,924 of estimated returns on top of the original ₹5,00,000 invested.