Lumpsum Calculator
Enter a one-time investment amount, expected return and duration to see its projected future value.
An assumption you choose — not a guaranteed return.
Maturity value
₹3.11 L
₹3,10,585
Invested amount
₹1.00 L
₹1,00,000
Estimated returns
₹2.11 L
₹2,10,585
Returns are an estimate based on your assumptions, not a guarantee.
Investment growth
How to use the Lumpsum Calculator
- Enter the amount you plan to invest in one go.
- Enter an expected annual return — your own assumption, not a promised rate.
- Set how many years the money will stay invested.
- See the maturity value, invested amount and estimated returns instantly, with a year-wise breakdown.
What is a lumpsum calculator?
A lumpsum calculator projects how a single, upfront investment — rather than a series of monthly contributions — could grow over time at an assumed rate of return. It’s the natural counterpart to a SIP calculator: SIP spreads investment out over time, while lumpsum puts it all in on day one.
How the calculation works
Because there’s only one contribution, the whole amount compounds from day one at your expected annual return, for the full duration you enter. Each year’s growth is added back to the balance before the next year’s growth is calculated.
Formula
FV = P × (1 + r)^t
Where P is your lumpsum investment, r is the annual return rate, and t is the number of years invested.
Worked example
₹1,00,000 invested as a lumpsum at an assumed 12% annual return for 10 years grows to approximately ₹3,10,585 — about ₹2,10,585 of that is estimated growth.
Understanding your result
- Invested amount is simply the lumpsum you put in.
- Estimated returns is the growth on top of that, driven by compounding.
- Maturity value is both combined — what your investment could be worth at the end of the period.
Factors that affect the result
- Duration has an outsized effect — compounding needs time to work.
- Return rate directly scales the outcome, especially over longer periods.
- Unlike a SIP, there’s no rupee-cost averaging — the full amount is exposed to the market from day one.
Common uses
People use this calculator to project the growth of a bonus, inheritance, maturity payout from another investment, or any other one-time sum, and to compare a lumpsum strategy against a SIP for the same total amount.
Important notes & limitations
Return assumptions are inputs you control, never a promise of what an investment will deliver. Real markets don’t grow at a smooth, constant rate every year — this calculator shows a simplified projection for planning purposes, not a forecast.
Frequently asked questions
What is a lumpsum calculator used for?
It's used to project how a one-time investment could grow over time, so you can plan around a bonus, inheritance or other lump sum before investing it.
What's the difference between SIP and lumpsum investing?
SIP spreads your investment across regular monthly contributions, which averages out market ups and downs. Lumpsum invests everything at once, so the entire amount is exposed to the market from day one.
Are lumpsum returns guaranteed?
No. The return rate you enter is an assumption for planning purposes, not a guarantee. Actual market-linked returns vary and are never certain.
Which is better — SIP or lumpsum?
It depends on your situation. Lumpsum can work well when you have a large sum and markets are reasonably valued; SIP is often considered steadier for ongoing income and uncertain markets. Neither is universally better.
Does this account for taxes on investment gains?
No, this calculator shows only the pre-tax projected growth. Actual take-home returns depend on applicable capital gains tax rules.
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