Lumpsum Calculator
See how a one-time investment grows with compounding over the years.
How Lumpsum Compounding Works
Unlike an SIP, a lumpsum invests the full amount upfront. Over long periods, the earlier the money enters, the more time it has to compound — which is why even a moderate rate can multiply wealth several times over 20+ years.
Formula
Frequently Asked Questions
What is a lumpsum investment?
A lumpsum is a single upfront investment — as opposed to periodic SIPs. You invest the full amount at once and let it compound.
How is lumpsum future value calculated?
FV = P × (1 + r)^n, where P is the principal, r is the annual rate as a decimal, and n is the number of years.
Lumpsum vs SIP — which is better?
Lumpsum works well in market lows or for debt/FD investments. SIP is better for equities during volatile markets because it averages out entry price.
Is 12% annual return realistic?
For Indian equity mutual funds over 10+ years, 11–13% CAGR is historically typical. Lower expectations are safer; use 8–10% for conservative planning.
Does this include inflation?
No — outputs are nominal. To see real (inflation-adjusted) value, also run the Inflation Calculator at the same rate you expect inflation.