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
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.
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.
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.
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.
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.
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.