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Lumpsum Calculator

Project the future value of a one-time investment at your expected rate of return. Adjust any input below and your results update instantly.

Your details

Adjust the inputs below and your results update instantly.

Lumpsum amount (₹)*

≈ ₹5.00 L

The one-time amount you're investing today. This is the entire base your returns compound on.

₹10K₹1Cr

e.g. ₹5,00,000 from a bonus or maturity payout

Investment duration (years)*

How long you plan to stay invested. Unlike a SIP, a lumpsum's growth is driven entirely by time and rate.

140

e.g. 15 years for a mid-term goal

Expected return (%)*

The annual return you expect on your investment. Equity-heavy mutual funds in India are often modelled at 10-12%.

4%18%

e.g. 12% for a mostly-equity portfolio

How these compare

vs. typical India long-term ranges

Expected return: 12%

India long-term equity avg: 10–13%

Typical

These are example numbers. Edit any input on the left to see your own.

Your lumpsum could grow to

₹27.37 L

5.5x your original investment

Amount invested

₹5.00 L

Wealth gained

₹22.37 L

Portfolio value vs. invested

Portfolio valueAmount invested

Year-by-year breakdown

"% is growth" shows how much of that year's portfolio value is compounding gains rather than your original principal.

YearPortfolio valueAmount investedStatus

1₹5.60 L₹5.00 L

1.1x invested

11% is growth

3₹7.02 L₹5.00 L

1.4x invested

29% is growth

5₹8.81 L₹5.00 L

1.8x invested

43% is growth

7₹11.05 L₹5.00 L

2.2x invested

55% is growth

9₹13.87 L₹5.00 L

2.8x invested

64% is growth

11₹17.39 L₹5.00 L

3.5x invested

71% is growth

13₹21.82 L₹5.00 L

4.4x invested

77% is growth

15₹27.37 L₹5.00 L

5.5x invested

82% is growth

Compare scenarios

See how small changes move your maturity value.

Your plan

₹5.00 L · 15y · 12%

₹27.37 L

Maturity value

Baseline

Return +2%

₹5.00 L · 15y · 14%

₹35.69 L

Maturity value

+₹8.32 L

+5 years

₹5.00 L · 20y · 12%

₹48.23 L

Maturity value

+₹20.86 L

Worked example, using your numbers

A step-by-step walkthrough of how your inputs become your maturity value.

Step 1 · Starting amount

You invest a one-time lumpsum of

₹5.00 L

Step 2 · Compounding

Growing at 12% a year for 15 years, it compounds to

₹27.37 L

Step 3 · Wealth gained

Of that final value, your investment growth alone accounts for

₹22.37 L

✓

Your ₹5.00 L grows to ₹27.37 L, a 5.5x return over 15 years.

Personalised insights

What your numbers reveal, and what changing them would do.

82% of your maturity value is pure investment growth

₹5.00 L invested grows to ₹27.37 L: ₹22.37 L is compounding gains.

+20% principal grows your corpus by ₹5.47 L

Raising your lumpsum to ₹6.00 L moves your maturity value to ₹32.84 L.

Staying invested 5 more years adds ₹20.86 L

Staying invested for 20 years instead of 15 grows your corpus to ₹48.23 L.

+2% return adds ₹8.32 L to your corpus

At 14% instead of 12%, your maturity value becomes ₹35.69 L.

How this is calculated

Every step of the math behind your result, shown in the open.

Applying annual compounding

P = principal, r = expected annual return, n = years, FV = future value

Your one-time investment (P) compounds at the annual rate (r) for the full duration (n), so each year's growth builds on the year before.

Example: ₹5.00 L at 12% for 15 years → ₹27.37 L

Estimating your wealth gained

P = amount originally invested

Your original principal (P) is subtracted from the future value (FV) to show how much of your final corpus is pure investment growth.

Example: ₹27.37 L − ₹5.00 L invested → ₹22.37 L gained

Your growth multiple

FV = future value, P = principal

Dividing your final value by what you put in shows how many times over your money has grown: a quick way to compare scenarios.

Example: ₹27.37 L ÷ ₹5.00 L → 5.5x

Assumptions

Your full amount is invested on day one: there's no phased entry like a SIP.
Returns compound annually at a constant rate, rather than fluctuating year to year.
Figures are indicative and pre-tax, not financial advice.

Understanding lumpsum investing

The concept, the motivation, and what to watch out for.

What is a lumpsum investment?

A lumpsum investment means putting your entire investible amount into a mutual fund or asset in one go, rather than spreading it out over time like a SIP does.

Because the whole amount starts compounding from day one, a lumpsum can outperform a SIP when markets rise steadily after you invest. But it also carries more timing risk, since there's no averaging to smooth out a bad entry point.

Timing matters more than for a SIP

Since the full amount goes in on one date, the market level on that date has an outsized effect on your outcome compared to a SIP's averaged entries.

Best suited to money you already have

A lumpsum is a natural fit for a bonus, maturity payout, or inheritance: money that exists today, rather than income you're yet to earn.

You don't have to invest it all on one day

A Systematic Transfer Plan (STP) lets you park the lumpsum in a liquid fund and move it into equity in instalments, trading some of a SIP's cost-averaging benefit for some of a lumpsum's simplicity.

Did you know?

A few facts behind lumpsum investing and compounding.

The Rule of 72

Divide 72 by your expected return to estimate doubling time. At 12% a year, a lumpsum roughly doubles every 6 years.

STP

A middle path exists

A Systematic Transfer Plan (STP) lets you park a lumpsum in a debt fund and move it into equity gradually, a hybrid between lumpsum and SIP investing.

Dip

Lumpsums often do best after a fall

Investing a lumpsum after a market correction, rather than at a high, historically improves the odds of strong long-term returns.

No rupee cost averaging

Unlike a SIP, a lumpsum buys all its units at a single price; there's no averaging effect to smooth out a volatile entry point.

Frequently asked questions

Straight answers to the questions we hear most about lumpsum investing.

What is a lumpsum investment?

A lumpsum investment means investing your entire amount in one go, rather than spreading it across regular instalments like a SIP does. Our Lumpsum Calculator projects exactly this kind of one-time investment's growth.

Is a lumpsum better than a SIP?

Neither is universally better. A lumpsum tends to do better when markets rise steadily after you invest, while a SIP averages your cost and reduces timing risk. It often comes down to whether you already have the money in hand.

What return should I assume?

Equity-heavy mutual funds in India have historically averaged 10-12% annually over the long term, though actual returns vary year to year and are never guaranteed.

Does this calculator assume annual or monthly compounding?

This Lumpsum Calculator compounds annually: your value grows once per year at the rate you enter, which is the standard convention for lumpsum projections.

Does this account for taxes or fund expenses?

No, figures here are indicative and pre-tax. Actual returns will be reduced by fund expense ratios and any applicable capital gains tax on withdrawal.

Is this financial advice?

No. This tool provides indicative estimates based on your assumptions. Consult a certified financial advisor before making investment decisions.