Lumpsum Calculator
Calculate returns on one-time lumpsum mutual fund investments. See maturity value, growth chart, and equivalent monthly SIP.
Equivalent monthly SIP for same corpus: ₹2,152/month. Compare with SIP Calculator →
How to Use
Step-by-step guide to get the most from this tool
- 1
Enter investment amount
Input your one-time lumpsum investment in rupees.
- 2
Set return and period
Choose expected annual return and investment horizon in years.
- 3
Compare with SIP
See equivalent monthly SIP and link to our SIP Calculator for detailed comparison.
Features
What makes this tool stand out
One-time investment
Model windfalls, bonuses, and inheritance investments.
Growth chart
Year-wise portfolio value projection.
SIP equivalent
See what monthly SIP matches your lumpsum result.
India-focused
Rupee formatting and realistic return presets.
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Frequently Asked Questions
Quick answers to common questions
What is a lumpsum investment?+
A lumpsum investment is a one-time payment into a mutual fund or other instrument, as opposed to regular SIP contributions. The entire amount compounds over the investment period.
How is lumpsum return calculated?+
Future Value = Principal × (1 + r)^n, where r is annual return rate and n is years. This assumes annual compounding.
Lumpsum vs SIP — which is better?+
Lumpsum can outperform in rising markets but carries timing risk. SIP averages out volatility. Use our SIP Calculator to compare equivalent monthly amounts.
What return rate should I use?+
Use 7% for debt, 10% for hybrid, 12% for large-cap equity, and 15% for aggressive funds. These are historical estimates, not guarantees.
Is lumpsum suitable for beginners?+
SIP is generally recommended for beginners due to rupee cost averaging. Lumpsum works well when you have a windfall and a long investment horizon.
Are lumpsum returns guaranteed?+
No. Mutual fund returns depend on market performance. Debt funds are lower risk; equity funds offer higher potential returns with volatility.
What is the equivalent SIP?+
Our calculator shows the monthly SIP amount that would grow to the same corpus as your lumpsum investment over the same period and return rate.
Is this calculator free?+
Yes. All calculations run in your browser with no signup required.