Lumpsum Calculator

See what a one-time investment could grow to over the years.

₹
%

Not guaranteed

Estimated value
₹3,10,585
Estimated gains
₹2,10,585

Formula

Future value = P × (1 + r)^n, where r is the yearly return and n the number of years.

Example

₹1,00,000 invested once at an assumed 12% a year for 10 years grows to about ₹3,10,585.

Lumpsum or SIP?

A lumpsum puts all the money to work at once, which helps if markets rise but hurts if they fall soon after. A SIP spreads purchases over time. Many investors park a lumpsum in a liquid fund and move it into equity through a monthly transfer (STP).

Mutual fund investments are subject to market risks. Returns are not guaranteed.

Frequently asked questions

What return should I assume?

Use a conservative figure for the fund type, and try a few rates to see a range. Past returns don't guarantee future ones.

Does this include tax?

No. Capital gains tax on redemption depends on the fund type and holding period. Check the current rules.

How is this different from the SIP calculator?

This assumes one investment at the start. The SIP calculator assumes a fixed amount every month.

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