Lumpsum Investment Calculator
Project the future value of a one-time mutual fund investment. See how compounding grows your wealth over your chosen horizon.
Calculate Future Value
What is a Lumpsum Investment?
A lumpsum investment means putting a one-time sum of money into a mutual fund instead of investing monthly via SIP. It's a popular choice when you receive a bonus, inheritance, FD maturity, or any windfall, and want the full amount working for you immediately.
With equity mutual funds, lumpsum can deliver superior returns over long horizons due to uninterrupted compounding. The risk: if you invest at a market peak, you may underperform an equivalent SIP that benefits from rupee-cost averaging.
How the Calculation Works
The calculator uses the standard compound interest formula:
FV = P × (1 + r)n
- P = principal (your one-time investment)
- r = expected annual return (e.g. 0.12 for 12%)
- n = investment period in years
Example: ₹1,00,000 invested for 10 years at 12% p.a. grows to ≈ ₹3,10,585 — a gain of ₹2,10,585.
Lumpsum vs SIP — Quick Comparison
| Factor | Lumpsum | SIP |
|---|---|---|
| Investment style | One-time | Monthly |
| Best in | Rising markets | Volatile markets |
| Rupee-cost averaging | No | Yes |
| Returns potential | Higher (with timing) | Smoother |
| Discipline required | Surplus needed | Built-in |
| Suits | Bonuses, windfalls | Salaried investors |