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Lumpsum Investment Calculator

Calculate returns on your one-time investment

Last Updated: July 2026
Total amount to invest at once
Expected yearly return
How long to keep invested
Invested Amount
—
Your initial investment
Total Returns
—
Wealth from compounding
Maturity Value
—
Invested + Returns

Investment Growth

Yearly Breakdown

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What Is a Lumpsum Investment Calculator?

A Lumpsum Investment Calculator estimates the future value of a one-time investment. When you have a large amount available — from a bonus, inheritance, or savings — this calculator shows how much it can grow over time with compound interest.

Unlike SIP where you invest monthly, lumpsum investing puts your entire corpus to work from day one. Every rupee earns compound interest for the full period, potentially generating higher absolute returns.

Lumpsum Return Formula

FV = P × (1 + r)n
P = Principal (investment amount)r = Annual return rate (decimal)n = Number of years

Frequently Asked Questions

When should I invest lumpsum?
Lumpsum works best when markets are at a low or moderate level. If you receive a bonus, inheritance, or maturity proceeds, investing immediately rather than letting it sit in savings can generate higher returns.
Is lumpsum better than SIP?
In rising markets, lumpsum typically outperforms SIP because the entire amount is invested from day one. However, SIP is better for regular income earners and provides rupee cost averaging.
What returns can I expect?
Equity mutual funds historically deliver 10-15% annually over 10+ years. Fixed deposits offer 6-7.5%. PPF offers 7.1% (tax-free). Always diversify based on risk appetite.
What is the tax on lumpsum returns?
For equity mutual funds, LTCG above ₹1.25 lakh is taxed at 12.5% if held over 12 months. STCG is taxed at 20%. Debt fund gains are taxed at slab rate. ELSS qualifies for 80C deduction.

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