Lumpsum Calculator
See how a single one-time investment grows over the years with compounding.
Estimated total value
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Frequently asked questions
What is a lumpsum investment?
A lumpsum is a one-time investment of a larger amount, rather than spreading it across monthly instalments like a SIP. It then grows with compounding over time.
How is lumpsum return calculated?
This calculator uses the compound interest formula: A = P × (1 + r)ⁿ, where P is the amount invested, r is the expected annual return, and n is the number of years.
Lumpsum or SIP — which is better?
A lumpsum can do better when you invest at a market low and stay invested long term, but it carries timing risk. A SIP spreads that risk across time. Many people use both. Compare with our SIP calculator.
Are the returns guaranteed?
No. This shows an estimate based on a constant assumed rate. Actual market-linked returns vary year to year and are never guaranteed.