Lumpsum Calculator
Lumpsum investment
Expected return rate (p.a)
Time period
Lumpsum investment
Expected return rate (p.a)
Time period
SIP vs Lumpsum — Growth Over Time
Lumpsum Calculator – Calculate Your One-Time Investment Growth
A Lumpsum Calculator helps you estimate how your one-time investment can grow over the years through compounding. By entering your amount, expected return rate, and time period, you can quickly see the potential maturity value.
Whether you’re investing for retirement, your child’s education, or wealth creation, this tool provides accurate projections for smarter planning. It’s ideal for long-term investors who prefer a one-time contribution over regular SIPs.
*Note: These are estimated values and may vary depending on market conditions and fund performance.*
Why Use a Lumpsum Calculator?
A lumpsum calculator lets you visualize your future wealth instantly. It helps in planning investments strategically and understanding how compounding impacts your final corpus.
- See potential growth instantly across different timeframes.
- Compare expected returns for 5, 10, or 15 years.
- Avoid manual compounding math and save time.
How Compounding Boosts Your Lumpsum Investment
When you invest a lumpsum amount, the returns generated every year get reinvested. Over time, your investment grows exponentially due to the power of compounding.
- One-time investment compounds for the full duration.
- Even small differences in rate or time lead to huge changes.
- Start early to maximize your compounding advantage.
Lumpsum Future Value Formula
- FV — Future value of your investment
- P — Initial amount invested
- r — Annual rate of return (decimal form)
- n — Number of years
Example: How Different Lumpsum Investments Grow
| Investment Amount (₹) | Duration (Years) | Expected Return (p.a.) | Estimated Future Value (₹) |
|---|---|---|---|
| 1,00,000 | 5 | 10% | 1,61,000 |
| 2,00,000 | 10 | 12% | 6,21,000 |
| 5,00,000 | 15 | 11% | 23,20,000 |
| 10,00,000 | 20 | 10% | 67,27,000 |
*These figures are illustrative and for educational purposes only.*
Real-Life Lumpsum Investment Scenarios
| Investor | Goal | Amount (₹) | Duration | Est. Value (12%) |
|---|---|---|---|---|
| Ravi (Age 30) | Retirement | 5,00,000 | 25 Years | 83,95,000 |
| Priya (Age 28) | Child’s Education | 3,00,000 | 18 Years | 19,20,000 |
| Amit (Age 35) | Wealth Building | 10,00,000 | 20 Years | 96,46,000 |
*Based on historical mutual fund returns. Actual results will vary.*
Lumpsum vs SIP: Return Comparison Example
| Investment Type | Amount | Duration | Return (p.a.) | Future Value (₹) |
|---|---|---|---|---|
| Lumpsum | 5,00,000 (once) | 10 Years | 12% | 15,52,000 |
| SIP | 5,000/month | 10 Years | 12% | 11,61,000 |
*SIP provides cost-averaging benefits, while Lumpsum grows faster if invested early.*
Plan Your Lumpsum Investment Today
Use this Lumpsum Calculator to forecast your future corpus, make informed financial decisions, and let time and compounding grow your wealth naturally.
- Define your financial goal and timeline.
- Experiment with different rates and tenures.
- Invest early, stay invested, and track growth yearly.
Frequently Asked Questions
A Lumpsum Calculator estimates how a one-time investment can grow over time. By entering your investment amount, expected annual return, and duration, it projects the future value of your investment through compounding.
While an SIP Calculator estimates periodic monthly investments, a Lumpsum Calculator focuses on a single, one-time investment. It helps you understand how compounding works when you invest a larger amount upfront.
Yes! You can use it to calculate how much you need to invest today to achieve a specific goal — like retirement or buying a house — based on your expected return and time horizon.
No, this calculator shows nominal returns. For real purchasing power, consider factoring in an average inflation rate manually to get a more realistic future value.