Lumpsum Calculator
Calculate the future value of a one-time mutual fund investment and compare it with spreading the same money through SIPs.
One-time amount you plan to invest
Annual return assumption (% p.a.)
Years to stay invested
Year-wise growth
| Year | Invested | Wealth gained | Total value |
|---|---|---|---|
| 1 | ₹5,00,000 | ₹60,000 | ₹5,60,000 |
| 2 | ₹5,00,000 | ₹1,27,200 | ₹6,27,200 |
| 3 | ₹5,00,000 | ₹2,02,464 | ₹7,02,464 |
| 4 | ₹5,00,000 | ₹2,86,760 | ₹7,86,760 |
| 5 | ₹5,00,000 | ₹3,81,171 | ₹8,81,171 |
| 6 | ₹5,00,000 | ₹4,86,911 | ₹9,86,911 |
| 7 | ₹5,00,000 | ₹6,05,341 | ₹11,05,341 |
| 8 | ₹5,00,000 | ₹7,37,982 | ₹12,37,982 |
| 9 | ₹5,00,000 | ₹8,86,539 | ₹13,86,539 |
| 10 | ₹5,00,000 | ₹10,52,924 | ₹15,52,924 |
| 11 | ₹5,00,000 | ₹12,39,275 | ₹17,39,275 |
| 12 | ₹5,00,000 | ₹14,47,988 | ₹19,47,988 |
| 13 | ₹5,00,000 | ₹16,81,747 | ₹21,81,747 |
| 14 | ₹5,00,000 | ₹19,43,556 | ₹24,43,556 |
| 15 | ₹5,00,000 | ₹22,36,783 | ₹27,36,783 |
Maturity value
₹27,36,783
Invested
₹5,00,000
Wealth gained
₹22,36,783
If spread as equal monthly SIPs
₹14,01,600
Same total money divided over 15 years, using the same CAGR.
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Calculator guide
How to use the Lumpsum Calculator
Use this lumpsum calculator to estimate the maturity value of a one-time investment. It is useful for bonuses, RSU proceeds, idle cash, or any amount you plan to invest at once.
Lumpsum calculator formula
Future Value = Principal x (1 + CAGR)^Years
- Principal is the one-time investment amount.
- CAGR is the expected annual growth rate.
- Years is the investment duration.
- Wealth gained is future value minus principal.
When does lumpsum investing make sense?
Lumpsum investing can make sense when money is already available and your time horizon is long enough to absorb volatility.
It is different from SIP investing because all money enters the market on one date. That can help in rising markets but can feel uncomfortable if markets fall soon after investing.
PaisaProof angle: idle cash has a cost
A bonus that sits in a savings account for months has an opportunity cost. This calculator helps quantify what the same money could become if invested for a long enough horizon.
Frequently asked questions
Is lumpsum better than SIP?+
It depends on market timing, risk comfort, and whether the money is already available. SIPs spread entry risk; lumpsum invests immediately.
Can I use this for mutual funds?+
Yes. The calculator is commonly used for mutual fund lumpsum return estimates, but the CAGR is only an assumption.
Does this include tax?+
No. It shows pre-tax growth. Actual post-tax returns depend on asset type, holding period, and current tax rules.