Lumpsum Calculator — One-Time Investment
See how a single investment grows over time with the power of compound interest. Enter your lump sum amount, expected annual return, and investment duration to get a clear picture of future value, total returns, and a year-by-year breakdown. This calculator is ideal for anyone who has received a bonus, inheritance, or maturity proceeds and wants to understand how deploying it into mutual funds, stocks, or other instruments will compound over the years.
Lumpsum Calculator
One-time investment returns
Results
Adjust the sliders and click Calculate
Frequently Asked Questions
When is a lump sum investment better than SIP?
Lump sum tends to outperform SIP when markets are near a bottom or in a strong uptrend, because all your money starts compounding immediately. Historically, lump sum beats SIP about two-thirds of the time over long periods simply because markets trend upward. However, SIP reduces the emotional stress of timing the market and is better suited for regular income earners who invest monthly.
How does compounding affect a one-time investment?
Compounding turns your returns into a snowball. In the early years, growth looks modest, but over time the curve steepens dramatically. A Rs 1 lakh lump sum at 12% annual return becomes Rs 3.1 lakh in 10 years, Rs 9.6 lakh in 20 years, and Rs 30 lakh in 30 years. The last decade alone added Rs 20 lakh — that is the magic of compounding working on a larger base.
What expected return should I use in the calculator?
Use returns that match the asset class you plan to invest in. For equity mutual funds, 10-12% is a reasonable long-term assumption. For debt funds, 6-8%. For index funds tracking Nifty 50, historical CAGR has been around 11-12% over 15+ year periods. Avoid using short-term bull market returns as your assumption — they will overstate what you are likely to earn over a full market cycle.