Lumpsum Calculator
See what a single, one-time investment could grow into over the years.
Your investment
Equity funds have historically returned 10–14% long term. Returns are not guaranteed.
Future value
₹3.11L
₹3,10,585
A lumpsum investment is a one-time deposit — you invest a large amount at once rather than spreading it monthly like an SIP. It's ideal when you receive a bonus, sell an asset, or have savings sitting idle. This calculator shows the projected future value using the power of compounding.
How lumpsum growth is calculated
The calculator uses the compound growth formula:
FV = P × (1 + r)ⁿ
Where P is your investment, r is the annual return, and n is the number of years. Because returns compound, the growth accelerates the longer you stay invested.
Frequently asked questions
Is lumpsum better than SIP?+
In a steadily rising market a lumpsum often wins because your full amount is invested for longer. But an SIP reduces timing risk by averaging your entry price. If you have a large idle sum, many advisors suggest staggering it over a few months.
What return should I assume?+
For diversified equity funds, 10–12% is a reasonable long-term assumption. For debt, use 6–8%. Plan conservatively so you aren't disappointed.
Are the returns guaranteed?+
No. Market investments carry risk and returns vary year to year. This is an illustration based on a constant assumed rate.
Can I use it for USD or GBP?+
Yes — switch the currency and use it for any one-time investment anywhere in the world.
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