Lumpsum Calculator

Calculate returns on your one-time lump sum investment. Estimate how much your money can grow with compound interest over time. Perfect for mutual funds, stocks, and fixed deposits.

Investment Details

Investment Amount ₹1,00,000
₹
₹1K ₹25L ₹50L ₹75L ₹1Cr
Enter one-time investment amount or use slider (₹1,000 to ₹1 Crore)
Expected Annual Return 12%
%
1% 8% 15% 22% 30%
Enter expected annual return rate or use slider (1% to 30%)
Investment Time Period 10 years
years
1 year 10 years 20 years 30 years 40 years
Enter investment period or use slider (1 to 40 years)
Estimated Returns
₹2,10,585
Total Investment
₹1,00,000
₹3,10,585
Final Amount
₹2,10,585
Wealth Gained

Year-wise Growth

Year Investment Value Returns CAGR

About Lumpsum Calculator

A lumpsum investment involves investing a single, large amount of money at one time rather than making periodic investments. This lumpsum calculator helps you estimate the potential returns on your one-time investment based on the principal amount, expected annual return rate, and investment duration.

How Lumpsum Calculator Works

  • The calculator uses the compound interest formula: A = P × (1 + r)^n
  • Where A = Final Amount, P = Principal Investment, r = Annual Rate of Return (as decimal), n = Number of years
  • Compound interest is calculated annually in this calculator
  • You can adjust the investment amount, expected return rate, and time period to see different scenarios

When to Use Lumpsum Investment

Windfall Gains

Investing bonuses, tax refunds, inheritance, or lottery winnings as a lump sum

Market Timing

Investing when markets are low to maximize potential returns

Goal Planning

Planning for specific financial goals like child's education or retirement

Portfolio Diversification

Adding a lump sum to diversify your existing investment portfolio

Lumpsum vs SIP: Which is Better?

Aspect Lumpsum Investment SIP (Systematic Investment Plan)
Investment Style One-time investment Regular, periodic investments
Risk Higher (market timing risk) Lower (rupee cost averaging)
Discipline Requires discipline to not withdraw Enforces investment discipline
Best For Lump sum amounts, market lows Regular income, long-term goals
Returns Potential Higher if invested at right time Steady, reduces timing risk
Note: This calculator provides an estimate based on the inputs provided. Actual returns may vary based on market conditions, expense ratios, and fund performance. Past performance is not indicative of future results. Consult with a financial advisor before making investment decisions.

What is a lumpsum investment?

A lumpsum investment is a one-time investment of a large amount of money, as opposed to regular periodic investments like SIP. It's typically made when you have a significant amount available for investment at once.

How is lumpsum returns calculated?

Lumpsum returns are calculated using compound interest formula: A = P × (1 + r)^n, where A is final amount, P is principal, r is annual rate of return (as decimal), and n is number of years.

What is better: Lumpsum or SIP?

Lumpsum can generate higher returns if invested at market lows, but carries timing risk. SIP reduces risk through rupee cost averaging and enforces investment discipline. Choice depends on your risk tolerance and investment horizon.

What is the minimum lumpsum investment?

Minimum lumpsum investment varies by mutual fund scheme, typically starting from ₹1,000 to ₹5,000 for equity funds, and ₹5,000 to ₹10,000 for debt funds.