Our Lumpsum Calculator helps you estimate the future value of a one-time investment by considering investment amount, expected annual return, and investment duration. Whether you are planning for retirement, a child’s education, or wealth creation, this tool provides a clear projection of how your money can grow over time with the power of compounding.
Calculate the future value of your one-time investment.
A Lumpsum investment means investing a large amount of money in one go, instead of spreading it out monthly like in a SIP (Systematic Investment Plan). It is often chosen by investors who have received a bonus, maturity from an FD, inheritance, or surplus funds that they wish to put to work immediately. The main advantage is that your entire money starts compounding from day one.
The calculator helps you estimate the future value of your one-time investment by applying the formula of compound interest. It saves you from manual calculations and shows you how much your money can grow over the years depending on the rate of return.
Future Value (FV) = P × (1 + r)t
Where:
P = Initial Investment (Principal)
r = Annual Rate of Return (in decimal)
t = Time period in years
Suppose you invest ₹1,00,000 in a mutual fund with an expected return of 12% annually for 10 years.
Future Value = 1,00,000 × (1 + 0.12)10 ≈ ₹3,10,585
✅ Your money more than triples in 10 years due to compounding.
Now consider you invest ₹5,00,000 at the same 12% return for 20 years.
Future Value = 5,00,000 × (1 + 0.12)20 ≈ ₹48,23,160
✅ From just ₹5 lakh, you build a corpus of nearly ₹48 lakh — almost 10x growth.
Both approaches have their advantages. A Lumpsum works best when invested for the long term at the right time, whereas a SIP spreads out risk by investing in smaller amounts regularly.
| Factor | Lumpsum | SIP |
|---|---|---|
| Investment Mode | One-time large amount | Smaller regular monthly investments |
| Best For | Surplus funds, long-term compounding | Salaried individuals with monthly income |
| Market Timing | Important (can affect returns) | Less important (rupee cost averaging) |
| Risk | Higher in short term, lower in long term | Lower due to staggered entry |
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