Lumpsum Calculator
Project one-time investment growth with annual compounding.
One-time lump sum invested today.
Expected annualised return.
How long the money stays invested.
Assumes annual compounding with no further contributions or withdrawals. Market returns are volatile — use conservative assumptions for planning. Not investment advice.
What is a lumpsum investment?
A single upfront investment (e.g. in mutual funds, stocks, or bonds) as opposed to periodic SIP contributions. Growth depends on the asset's return over the holding period.
How is future value calculated?
FV = P × (1 + r)^t where P is the initial amount, r is the annual rate as a decimal, and t is years. Interest compounds once per year.
Lumpsum vs SIP — which is better?
Lumpsum benefits from longer time in the market but carries timing risk. SIP spreads purchases over time. Neither guarantees returns; choice depends on cash availability and risk tolerance.
Are taxes included?
No. Capital gains tax (LTCG/STCG) on equity or debt funds is not modeled. Actual post-tax returns will be lower depending on holding period and asset class.
What return should I assume?
Historical equity returns in India have averaged ~12% long term, but past performance does not guarantee future results. Use a range of scenarios for planning.