Lumpsum Investment Calculator
One-time investment future value at an assumed annual return.
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About this calculator
A lumpsum investment puts a single large amount to work immediately. The entire capital compounds from day one, unlike a SIP where instalments enter gradually.
Historically, investing a lumpsum has outperformed averaging it in roughly two-thirds of the time — but timing risk is real. Many investors split large sums into tranches.
Formula
Frequently Asked Questions
Lumpsum or SIP — which is better?
Mathematically lumpsum wins when markets rise steadily. SIP wins behaviourally — it enforces discipline and averages entry prices. Many people combine both.
What return should I assume?
Long-run Indian equity indices returned ~11–13% annually before tax and inflation. Be conservative for planning; debt funds warrant much lower assumptions.
Related Calculators
SIP Calculator
Future value of a Systematic Investment Plan (monthly mutual fund investment).
📈Compound Interest Calculator
Growth of a lump sum with yearly → daily compounding frequencies.
🚀CAGR Calculator
Compound Annual Growth Rate between beginning and ending values.
🎈Inflation Calculator
What today's money will cost — and be worth — after inflation.