Input type
One-time Investment
Lumpsum calculator for a single investment
Enter your one-time investment amount, expected annual return, and tenure to estimate the maturity value and wealth gained.
One-time investment
Annual compounding
Corpus estimate
Best for
One-time investing
Output
Corpus at maturity
Enter lumpsum details
Provide investment amount, expected annual return, and investment period.
Before you calculate
- Lumpsum investment compounds annually at the given rate.
- Enter expected annual return — typically 10–14% for equity, 6–8% for debt.
- Result is a pre-tax estimate before exit loads or expense ratios.
Why use this lumpsum calculator?
It helps you estimate the future value of a one-time investment and compare it against monthly SIP returns to make informed investment decisions.
About Lumpsum Investment
A lumpsum investment grows via annual compounding. The longer the tenure and higher the return rate, the larger the final corpus. It works best when markets are undervalued.
Lumpsum vs SIP
Lumpsum can outperform SIP in rising markets, but carries higher entry-timing risk. SIP spreads that risk across multiple purchase points.
Power of compounding
At 12% annual return, money doubles roughly every 6 years. Starting early maximises the compounding benefit significantly.
Tax on returns
Equity mutual fund gains held over 1 year attract 10% LTCG above ₹1 lakh. Include tax planning when estimating take-home returns.
Before final decision
Actual fund returns vary. Use this as a planning estimate and consult a qualified financial advisor before investing.