Lumpsum Calculator
Grow a one-time investment over time.
Illustrative only — assumes a constant return and steady contributions. Actual mutual-fund returns vary and are not guaranteed. Not investment advice.
About the Lumpsum Calculator
A lumpsum calculator estimates the future value of a one-time investment in mutual funds or any compounding instrument. Enter the amount, the number of years, and an expected annual return to see what it could grow into and the total gain.
How it’s calculated
A lumpsum grows through annual compounding: each year’s returns are earned on both your original capital and the returns already accumulated. Because the whole amount is invested from day one, it has the maximum time to compound.
FV = P × (1 + r)^nFV = future value, P = amount invested today, r = annual return (as a decimal), n = number of years.
Frequently Asked Questions
How is lumpsum return calculated?
With annual compounding: FV = P × (1 + r)^n, where P is the amount invested, r the annual return, and n the number of years. The gain is simply the future value minus your original investment.
Is lumpsum or SIP better?
A lumpsum can outperform when markets rise steadily after you invest, since the full amount compounds from day one. But it carries timing risk. SIPs average your entry over time. If you have a large amount but are wary of timing, some investors phase it in using an STP.
What return should I assume for a lumpsum calculation?
It depends on the asset. Historically, diversified Indian equity funds have delivered roughly 10–14% over long periods, but returns are not guaranteed. Use a conservative estimate and treat the result as illustrative.
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