Lumpsum Calculator
Calculate returns on your one-time investments.
Invested Amount
₹1,00,000
Est. Returns
₹2,10,585
Total Value
₹3,10,585
3.11x Growth
How the Lumpsum Calculator works
A lumpsum investment puts a one-time amount into a mutual fund and lets it grow. This calculator estimates the future value based on your expected annual return and holding period.
Because the full amount is invested from day one, compounding works on the whole sum — which can outperform a SIP if markets rise, but carries more timing risk.
Lumpsum future value
FV = P × (1 + r)ⁿ
P = amount invested, r = annual return, n = years.
Frequently asked questions
Lumpsum or SIP — which is better?+
Lumpsum can win if you invest before a market rise, but it's riskier to time. SIP spreads risk over time. Many investors use SIP for regular income and lumpsum for windfalls.
How are lumpsum returns calculated?+
Using compound growth: the invested amount grows at the expected annual rate over the holding period, as in the formula above.
Are lumpsum returns guaranteed?+
No. Mutual fund returns depend on the market; the expected rate you enter is an assumption.