💰 Lumpsum Calculator

What is a lumpsum investment?

A lumpsum is a single, one-time investment — for example, putting a bonus or savings into a mutual fund or stocks all at once, instead of monthly like a SIP. Over time it grows through compounding, where your returns also start earning returns.

Future Value = P × (1 + r)ⁿ

Where P = amount invested, r = yearly return rate, and n = number of years. Small differences in rate or years make a big difference over long periods — that's the power of compounding.

Lumpsum vs SIP — which is better?

Neither is always better. A lumpsum works well when you have a large amount ready and markets are reasonable. A SIP spreads your investment across months, lowering the risk of investing everything at a bad time. Many investors do both.

Frequently Asked Questions

Is this lumpsum calculator free?

Yes — it's 100% free, needs no sign-up, and runs entirely in your browser.

What return rate should I use?

It depends on where you invest. Equity mutual funds have historically returned roughly 10–14% a year over the long term, but returns are never guaranteed. Use a realistic figure and remember past performance doesn't promise future results.

Does it account for inflation or tax?

No — it shows the raw growth. Your real (after-inflation) and after-tax value will be lower. Treat the result as an estimate.

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