Lumpsum Calculator
Calculate your one-time investment growth and future value
SIP
Lumpsum
Investment Results
Total Investment
₹1,00,000
Wealth Gained
₹2,10,585
Future Value
₹3,10,585
Absolute Returns
210.6%
Investment Breakdown
32%
68%
Principal
Returns
Growth Projection
Start
25%
50%
75%
End
Max
75%
50%
25%
0
Growth
Investment
Recommended Mutual Funds
Large Cap Funds
For conservative investors seeking stable returns
Mid Cap Funds
For moderate risk with growth potential
ELSS Funds
For tax savings with equity exposure
Index Funds
For low-cost passive investing with market returns
Related Tools
Lumpsum Investment Introduction
If you are planning to invest a one-time amount in mutual funds or any other investment, our Lumpsum Investment Calculator helps you estimate the future value of your investment. With just a few inputs like the invested amount, expected return rate, and investment duration, you can easily calculate how much wealth your money can generate.
What is Lumpsum Investment?
A lumpsum investment means investing a large amount of money at once, instead of monthly contributions. For example, if you invest ₹1,00,000 today in a mutual fund, it is considered a lumpsum investment. This approach is best suited for investors who receive bonuses, windfalls, or have idle cash they want to grow.
Many beginners compare SIP vs Lumpsum, and tools like our mutual fund lumpsum calculator make the difference easier to understand.
How Lumpsum Works?
When you invest a lumpsum amount, the money is exposed to market growth for the full tenure. The returns are compounded annually or quarterly depending on the scheme. Unlike SIPs, where investment happens gradually, a lumpsum allows your money to stay invested longer and grow faster.
Example:
- Invested amount: ₹2,00,000
- Expected annual return: 12%
- Investment period: 10 years
Your lumpsum return could be more than ₹6,00,000 at maturity.
Lumpsum Formula
The future value of a lumpsum investment is calculated using this formula:
FV = P × (1 + r/n)^(n × t)
Where:
FV = Future Value
P = Principal (invested amount)
r = Annual rate of return (in decimal)
n = Compounding frequency per year
t = Time (in years)
This is the same logic our lumpsum investment calculator uses in the backend.
How to Use Our Lumpsum Calculator?
- Enter the amount you wish to invest.
- Add the expected rate of return (in %).
- Choose the number of years you want to stay invested.
- Instantly see your estimated maturity value and potential wealth gain.
Our investment growth calculator makes it simple for anyone to understand returns without manual calculation.
Features of Lumpsum Investment Calculator
- User-Friendly Design – Simple layout with easy input sliders and fields.
- Instant Results – Get maturity value and wealth gain instantly.
- Graphical Representation – Visual chart shows how your investment grows over time.
- Dual Mode – Switch between SIP and lumpsum calculator for comparison.
- Responsive Layout – Works seamlessly on desktop, tablet, and mobile.
- Free to Use – 100% free, no login or signup required.
Benefits of Lumpsum Investing
- Compounding Advantage – Money grows faster since the entire amount is invested from day one.
- Easy Tracking – Unlike SIPs, you don’t need to monitor monthly deductions.
- Ideal for Windfall Gains – Perfect for investors who receive bonuses or large payments.
- Flexibility – You decide when and how much to invest.
- Better Long-Term Growth – If invested during market corrections, lumpsum investing can yield higher returns.