Lumpsum Calculator
Free lumpsum calculator: enter a one-time investment, expected annual return and period to see the estimated maturity value and total gains.
Invested amount
₹1,00,000
Est. gains
₹2,10,585
Est. total value
₹3,10,585
This is an estimate assuming a constant annual return, compounded yearly, before tax and fund charges. Actual returns fluctuate and aren't guaranteed.
How a lumpsum investment grows
A lumpsum is a single, one-time investment. Every year the return is added to the amount, so the next year's return is earned on a bigger base — that is compounding.
Maturity value = P × (1 + r) ^ t
- P = the amount you invest today
- r = expected annual return, as a decimal (12% = 0.12)
- t = number of years you stay invested
Frequently asked questions
What is a lumpsum investment?
It is investing the whole amount at once, instead of a SIP where you invest a fixed amount every month. It suits money you already have available, such as a bonus, maturity proceeds or savings.
Lumpsum or SIP — which is better?
Neither wins for everyone. A lumpsum puts all your money to work from day one, which helps if markets rise afterwards. A SIP spreads your purchases over time, which reduces the risk of investing everything just before a fall and suits a regular income. Try this calculator and the SIP calculator side by side.
What return should I assume?
No return is guaranteed. Pick a conservative figure and also try lower ones to see how sensitive the result is — small changes in the rate make a large difference over long periods.
Does the result include tax or charges?
No. The figure is before tax, expense ratio and exit loads. Your actual take-home depends on the instrument you choose and how long you hold it.