Lumpsum Calculator
Have a one-time amount to invest? See what it could become, and how much of that is growth versus your original money.
What is Lumpsum?
A lumpsum investment is putting a single amount to work all at once, rather than spreading it across months. It suits money you already have, a bonus, a maturity, a sale.
This calculator compounds that amount at a return you choose and shows what it could be worth, and how much of the total is growth.
How it's calculated
It compounds the amount once a year: FV = P × (1 + r)^t, where P is the amount, r is the annual return and t is the number of years. Returns are the projected value minus the amount you started with.
An example
Invest ₹1 lakh at 12% a year for 10 years and it grows to about ₹3.11 lakh, a little over ₹2 lakh of that is growth.
Questions people ask
Lumpsum or SIP, which is better?
It depends on the money. A lumpsum puts everything to work sooner, which helps when markets rise, but a bad entry point stings more. A SIP spreads the risk. Many people do both.
Is the result guaranteed?
No. It is a projection at the return you entered. Actual results depend on the market and the fund.
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