Lumpsum Investment Calculator
A lumpsum investment is a single, one-time deposit - into a mutual fund, fixed deposit or any compounding instrument - left to grow over time. This calculator shows what that one-time amount could become at a given annual return, and how much of the final value is pure compounding.
The one-time amount you invest today.
Used only to show what the final amount is worth in today's money.
- Invested
- Returns
Year-by-year growth
| Year | Invested | Returns | Total value |
|---|---|---|---|
| 1 | ₹1,00,000 | ₹12,000 | ₹1,12,000 |
| 2 | ₹1,00,000 | ₹25,440 | ₹1,25,440 |
| 3 | ₹1,00,000 | ₹40,493 | ₹1,40,493 |
| 4 | ₹1,00,000 | ₹57,352 | ₹1,57,352 |
| 5 | ₹1,00,000 | ₹76,234 | ₹1,76,234 |
| 6 | ₹1,00,000 | ₹97,382 | ₹1,97,382 |
| 7 | ₹1,00,000 | ₹1,21,068 | ₹2,21,068 |
| 8 | ₹1,00,000 | ₹1,47,596 | ₹2,47,596 |
| 9 | ₹1,00,000 | ₹1,77,308 | ₹2,77,308 |
| 10 | ₹1,00,000 | ₹2,10,585 | ₹3,10,585 |
How to calculate lump sum returns
Unlike a SIP, the entire amount is invested upfront, so it compounds for the full duration. The longer the horizon and the higher the rate, the more dramatic the growth, because returns earn returns year after year.
FV = P × (1 + r)ᵗExample. A one-time ₹1,00,000 invested at 12% for 10 years grows to about ₹3,10,585 - roughly ₹2.1 lakh of that is returns, with no extra contributions.
Lumpsum vs SIP
A lumpsum can outperform a SIP if invested when markets are low, because all your money compounds from day one. A SIP spreads risk by averaging your entry price over time. If you receive a bonus, maturity payout or windfall, a lumpsum (or staggering it over a few months) is common; for monthly savings, a SIP fits better.
Frequently asked questions
Is a lumpsum better than a SIP?
Mathematically a lumpsum wins whenever the market rises over the period, because the whole amount is invested from day one rather than trickling in. The catch is that it also loses more if you invest right before a fall, and nobody knows which they are getting. A lumpsum suits money you already have and a long horizon; a SIP suits money that arrives monthly and nerves that do not enjoy timing the market.
What will my investment actually be worth after inflation?
Divide the maturity value by (1 + inflation)^years - the calculator shows this as 'worth in today's money'. At 6% inflation, 10 lakh growing to 40 lakh over 20 years is worth about 12.5 lakh in today's terms. The gain is real, but it is a third of what the headline number suggests.
Is a lumpsum return guaranteed?
Only for fixed-return products like FDs. For market-linked investments such as mutual funds, the return shown here is an assumption - actual returns vary with the market.
Does this account for tax?
No - the maturity figure is pre-tax. Inflation is handled separately by the "worth in today's money" output, but tax is not, because it depends on how long you hold and which slab you fall into. Gains above the exemption limit are taxable.
Related calculators
Embed this calculator
Free to use on any site. Please keep the credit link.
<iframe
id="letmecalc-lumpsum-calculator"
src="https://letmecalc.com/embed/finance/lumpsum-calculator"
title="Lumpsum Calculator"
width="100%"
height="620"
style="border:0;max-width:100%"
loading="lazy"
></iframe>
<p><a href="https://letmecalc.com/finance/lumpsum-calculator" target="_blank" rel="noopener">Lumpsum Calculator</a> by letmecalc</p>
<script>
(function () {
var f = document.getElementById("letmecalc-lumpsum-calculator");
window.addEventListener("message", function (e) {
if (e.origin !== "https://letmecalc.com") return;
if (!f || e.source !== f.contentWindow) return;
var d = e.data;
if (!d || d.source !== "letmecalc-embed" || d.type !== "resize") return;
if (typeof d.height === "number" && d.height > 0) {
f.style.height = d.height + "px";
}
});
})();
</script>