Lumpsum Calculator

Future Value = P × (1 + r ÷ 100)^t, where P is your one-time investment amount, r is the expected annual return (in percent), and t is the investment period in years. Wealth Gained = Future Value − P.

One-time investment vs. SIP: a lumpsum investment means putting your entire amount into a mutual fund in a single transaction, which then compounds for the full investment period from day one. This is different from a Systematic Investment Plan (SIP), where you invest a fixed, smaller amount every month over time instead of all at once — use the SIP Calculator on this site if that better matches how you plan to invest.

When lumpsum investing makes sense:a lumpsum approach suits investors who already have a large sum of idle capital available — a bonus, a maturity payout from another investment, an inheritance, or savings that have accumulated over time — and want that entire amount working and compounding immediately, rather than trickling it into the market gradually. SIP, by contrast, suits investors relying on regular monthly income who don’t have a large sum ready upfront but can commit to steady contributions.

Important — this is a projection, not a promise: the return rate you enter is an assumption, typically based on historical fund performance or a general market expectation. Actual mutual fund returns are market-linked, fluctuate over time, and are never guaranteed. Past performance does not guarantee future results — treat this calculator’s output as a planning estimate, not a promised return.

Worked example: investing ₹1,00,000 as a lumpsum at an assumed 12% annual return for 10 years gives Future Value = 1,00,000 × (1.12)¹⁰ ≈ ₹3,10,585. Your Wealth Gained would be approximately ₹2,10,585 over the decade — the entire ₹1,00,000 compounds from year one, unlike a SIP where later installments have less time to grow.