Lumpsum Investment Calculator
Got a one-time amount to invest — a bonus, maturity payout or savings? See what it could grow to. Enter the amount, an expected annual return and your time horizon, and this shows the projected future value and estimated gains from compounding.
Lumpsum vs SIP — which for you?
- Lumpsum puts the whole amount to work immediately, so it can earn more when markets rise steadily after you invest — but you carry the risk of buying at a peak.
- SIP spreads your entry across months, averaging your cost and smoothing out market swings — better if you're investing from monthly income or worried about timing.
- The middle path: with a large sum, many investors deploy part as lumpsum and stagger the rest over a few months (an STP) to balance both.
Frequently asked questions
How is lumpsum return calculated?
Future value = amount × (1 + annual return)^years. E.g. ₹1,00,000 at 12% for 10 years ≈ ₹3,10,585 (about ₹2,10,585 of estimated gains). Returns aren't guaranteed.
Lumpsum or SIP — which is better?
Lumpsum can earn more if markets rise after you invest; SIP averages your cost and lowers timing risk. With a big sum, splitting between the two (or staggering via an STP) is a common balance.
What return should I assume?
Nothing is guaranteed. Equity funds are often modelled at 10–12% long-term, debt at 6–8%. Use a conservative figure — past performance doesn't predict the future.