Calculate returns on one-time lumpsum mutual fund investments. See maturity value, growth chart, and equivalent monthly SIP.
Step-by-step guide to get the most from this tool
Input your one-time lumpsum investment in rupees.
Choose expected annual return and investment horizon in years.
See equivalent monthly SIP and link to our SIP Calculator for detailed comparison.
What makes this tool stand out
Model windfalls, bonuses, and inheritance investments.
Year-wise portfolio value projection.
See what monthly SIP matches your lumpsum result.
Rupee formatting and realistic return presets.
More free utilities you might find useful
Quick answers to common questions
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.
Future Value = Principal × (1 + r)^n, where r is annual return rate and n is years. This assumes annual compounding.
Lumpsum can outperform in rising markets but carries timing risk. SIP averages out volatility. Use our SIP Calculator to compare equivalent monthly amounts.
Use 7% for debt, 10% for hybrid, 12% for large-cap equity, and 15% for aggressive funds. These are historical estimates, not guarantees.
SIP is generally recommended for beginners due to rupee cost averaging. Lumpsum works well when you have a windfall and a long investment horizon.
No. Mutual fund returns depend on market performance. Debt funds are lower risk; equity funds offer higher potential returns with volatility.
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.
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Equivalent monthly SIP for same corpus: ₹2,152/month. Compare with SIP Calculator →