Lumpsum Investment Calculator
Calculate wealth growth on one-time mutual fund investments
How Does It Work?
Calculate expected returns on one-time lumpsum mutual fund and equity investments. Instant maturity amount, total gain, and year-by-year progression.
Where A is maturity amount, P is initial one-time investment, r is annual expected return rate, and t is time in years.
Real-World Worked Example
You deposit an annual bonus of ₹5,00,000 as a one-time lump sum into a diversified index fund expected to deliver a 12% CAGR over 10 years.
- •Initial Deposit: ₹5,00,000
- •Compounding Factor: (1 + 0.12)¹⁰ ≈ 3.1058
- •Final Maturity Value: ₹5,00,000 × 3.1058 = ₹15,52,924
- •Net Profit Generated: ₹10,52,924
Takeaway: Because the entire ₹5 Lakhs compounds from Day 1, Lumpsum investing maximizes market exposure over multi-year horizons.
Related Guides & Calculation Deep Dives
All guidesSIP vs Lumpsum: Which Is Better for You?
A Systematic Investment Plan (SIP) spreads capital across recurring installments to average purchase costs, while a Lumpsum invests the full amount on Day 1. Lumpsum wins in strong bull markets, but SIP protects investors in volatile markets and removes timing stress.
Compound Interest Explained With Real Numbers
Compound interest is interest earned on both your initial principal and all accumulated interest from previous periods. On a ₹1,00,000 investment at 10% compounded annually for 10 years, you earn ₹1,59,374 in interest, compared to only ₹1,00,000 under simple interest.
What Is SIP and How Does It Work? A Beginner's Guide
A Systematic Investment Plan (SIP) is a method of investing a fixed sum of money into mutual funds at regular intervals (usually monthly). An investment of ₹5,000 per month over 15 years at an expected 12% annual return grows into roughly ₹25.2 Lakhs on a ₹9 Lakh investment.
Lumpsum Returns FAQs
Common questions, calculation formulas, and usage rules.
A single one-time lump amount deposited into mutual funds or shares rather than recurring monthly installments.