What is a Lumpsum Calculator?
A lumpsum investment is a single, one-time investment, for example investing a bonus or the proceeds of a sale in one go.
This calculator estimates what that amount could grow to over a period at an expected yearly return, and shows how long it takes to double.
How it helps you
- Project the future value of a one-time investment.
- See how the time period changes the result more than the amount.
- Find the doubling time at your expected return.
- Compare with a SIP of a similar total amount.
How it is calculated
A = P × (1 + r)ᵗ
- A
- Estimated value at the end
- P
- Amount invested today
- r
- Expected yearly return ÷ 100
- t
- Number of years
You invest ₹1,00,000 once and stay invested for 10 years at an expected 12% a year.
- 1A = 1,00,000 × (1.12)¹⁰
- 2(1.12)¹⁰ ≈ 3.1058
Estimated value ≈ ₹3,10,585, i.e. about ₹2,10,585 of estimated growth.
How to use the Lumpsum Calculator
- 1Enter the amount you want to invest once.
- 2Set the expected yearly return and the number of years.
- 3Read the estimated returns, total value and doubling time.
Frequently asked questions
Is lumpsum better than SIP?
Neither is always better. A lumpsum puts all your money to work at once; a SIP spreads your entry over time and reduces the risk of investing just before a fall. Many investors use an STP to move a lumpsum into equity gradually.
What happens if the market falls after I invest?
The value of your investment falls too. Over longer periods markets have historically recovered, but past performance does not guarantee future results.
Why does the calculator compound yearly?
Yearly compounding is the standard way to express a lumpsum's growth at an annual rate. Fund values actually change every business day.
Are the results guaranteed?
The result is an estimate based on a constant rate. Actual market returns change every year and are not guaranteed.