Lumpsum Calculator
Find out what your one-time investment grows to over time with compounding.
Investment details
Year-by-year growth
Frequently asked questions
What is a lumpsum investment?
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A lumpsum is a one-time investment in a mutual fund, stock, FD or other instrument. Unlike SIPs spread over months, a lumpsum puts the entire amount to work on day one and compounds from there.
How does this calculator work?
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It uses the compound interest formula FV = P × (1 + r)^n where P is principal, r is expected annual return (decimal), n is number of years. Returns compound annually.
Is lumpsum better than SIP?
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When markets are low, lumpsum can outperform SIP because you buy more units upfront. When volatile, SIPs average cost. Many investors use both — lumpsum when there is a windfall, SIPs for regular savings.
What return should I assume?
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Equity MFs: 12% is the long-term Nifty 50 average. Debt funds: 6–8%. FDs: use the prevailing rate. Always keep it as an estimate; actual returns vary.
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