Lumpsum calculator
See what a one-time investment could grow into. Enter the amount, an expected return and a time period to project the maturity value, the returns it earns, and a year-by-year growth curve.
Lumpsum details
Tweak the numbers — results update live
₹1L
Invested
one-time
₹2.11L
Est. returns
wealth gained
211%
Total growth
over the period
How your investment grows
Value compounding year by year
Invested vs returns
What you put in vs what it earns
- Invested₹1L
- Est. returns₹2.11L
Projected value
₹3,10,585
Compounding at work
One amount, working for years
A lumpsum puts your full amount to work from day one. With nothing added later, all the growth comes from compounding — returns earning returns — which is why the curve steepens sharply in the later years.
Maturity = P × (1 + r)n
- 1
Invest once
The full amount goes in upfront and stays invested for the whole horizon.
- 2
Let it compound
Each year’s return is added to the base, so the next year earns on a larger amount.
- 3
Give it time
Compounding rewards patience — doubling time shrinks as the rate and years rise.
- 4
Mind the entry
A lumpsum is exposed to the price on the day you invest. Long horizons smooth this out.
Questions
Frequently asked
What is a lumpsum investment?
A lumpsum investment is a single, one-time amount put into a mutual fund or other market instrument, left to grow over time. Unlike a SIP, where you invest monthly, a lumpsum puts the entire sum to work immediately — so it benefits fully from compounding if markets rise, but is also more exposed to the entry-point price.
How is lumpsum maturity calculated?
This calculator uses annual compounding: maturity = principal × (1 + r)^n, where r is the expected annual return and n is the number of years. So ₹1,00,000 at 12% for 10 years grows to about ₹3,10,585. Adjust the amount, return and period to see the projected value update instantly.
Lumpsum or SIP — which gives higher returns?
It depends on market timing. A lumpsum tends to win when invested before a sustained rise, because the full amount compounds from day one. A SIP reduces timing risk by averaging your entry over many months. If you have a large amount and a long horizon, a lumpsum (or staggering it over a few months) can outperform; if markets are choppy, a SIP is gentler. Compare both with our SIP calculator.
What return rate should I use?
Use a realistic, fund-appropriate figure. Diversified Indian equity funds have historically returned around 10–14% per annum over long periods, debt funds 6–8%. These returns are not guaranteed and vary year to year. A conservative assumption gives a more dependable projection.
Is it better to invest a lumpsum all at once or stagger it?
If you have a large sum but worry about investing at a market peak, staggering it over a few months (a form of STP — Systematic Transfer Plan) reduces timing risk. Over long horizons, though, investing sooner usually beats waiting, because more time in the market means more compounding.
How are lumpsum mutual fund gains taxed?
For equity funds, long-term capital gains (units held over 1 year) are tax-free up to ₹1.25 lakh a year and taxed at 12.5% beyond that; short-term gains are taxed at 20%. Debt-fund gains are taxed at your income-tax slab rate. Tax rules change periodically, so confirm the current rates before you redeem.