Investment
Lumpsum Calculator
Shows the future value of a one-time (lumpsum) investment compounding at an assumed annual return.
Your details
₹
%
yrs
Maturity value
₹27,36,783
Invested amount
₹5,00,000
Estimated returns
₹22,36,783
₹5,00,000 invested today, growing at an assumed 12% annually for 15 years, could become ₹27,36,783.
InvestedValue
How this is calculated
FV = P × (1 + r)^n, where P = principal, r = expected annual return, n = number of years.
Frequently asked questions
Lumpsum vs SIP — which is better?
Lumpsum tends to do better when you invest right before a sustained market rise; SIP smooths out the risk of bad timing. Neither wins in every market condition — compare both with our SIP Calculator.
What return rate should I assume?
10–14% annually is a commonly used historical range for diversified equity mutual funds in India — treat it as an assumption, not a guarantee.
Is a lumpsum investment riskier than a SIP?
Yes, in the short term — a lumpsum invested right before a downturn takes the full hit at once, whereas a SIP's later installments buy in at the lower price.
Can I combine lumpsum and SIP?
Yes — many investors put a lumpsum to work immediately and layer a SIP on top for ongoing contributions.