A lumpsum investment puts a single amount to work at once, such as a bonus, a maturing FD or an inheritance. This calculator shows what it could grow to with compound returns.
The lumpsum formula
Future value = P × (1 + r)ⁿP = amount invested, r = yearly return ÷ 100, n = yearsWorked example
Example: ₹5 lakh for 10 years at 12%
Estimated value: ₹15.53 lakh, about three times the original amount.
At 8% it would be about ₹10.8 lakh; at 15%, about ₹20.2 lakh. The rate matters enormously over long periods.
Mutual fund returns aren't guaranteed. Results use the rate you enter as if it were earned every year; real returns go up and down.
Lumpsum or SIP?
If markets rise steadily, investing everything at once earns more. If they fall soon after, a SIP buys more units at lower prices. Many investors split the difference: park the money in a liquid fund and move it into equity through a systematic transfer plan (STP) over 6–12 months. Compare with the SIP calculator.
- Equity funds: gains on units held over 12 months are taxed at 12.5% above ₹1.25 lakh of such gains a year; gains within 12 months at 20%.
- Debt funds bought from April 2023: gains are added to your income and taxed at your slab rate.
How to use this calculator
- Enter the amount.
- Enter an expected yearly return and time.
FAQs
Lumpsum or SIP?
A lumpsum is invested all at once, so timing matters more. A SIP spreads it out. Many people split a bonus into a few monthly instalments.
Results are estimates and aren't financial advice. For decisions about your own money, check with a qualified adviser. Spotted a mistake? Tell us.