Lumpsum Calculator
Calculate the future value of a one-time lumpsum investment in mutual funds or any compounding instrument.
Lumpsum formula
A lumpsum investment compounds once a year on the full amount: FV = P × (1 + r)t, where P is the amount, r the annual return and t the years.
Example
₹5,00,000 invested for 10 years at 12% grows to about ₹15.5 lakh. At 8% the same money reaches only about ₹10.8 lakh. Small changes in the return assumption compound into large differences, which is why you should not rely on a single number.
Lumpsum or SIP?
A lumpsum puts all your money to work immediately, which helps in rising markets but exposes you to bad timing. A SIP spreads purchases over time and reduces timing risk. If you have a large sum, many investors park it in a liquid fund and move it into equity through a Systematic Transfer Plan (STP) over several months.
Frequently asked questions
Is lumpsum better than SIP?
Neither is always better. Lumpsum wins when markets rise steadily; SIP reduces the risk of investing everything at a market peak.
Does the calculator include tax?
No. Capital gains tax depends on the asset type and holding period and is not deducted here.
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Last reviewed: October 2026. Results are estimates, not financial advice.