Lumpsum investment calculator

See what a one-time investment could grow to at a steady yearly return, and compare it with investing the same money through a monthly SIP.

₹

₹5,00,000 (5 lakh)

%
Yr

Estimated value after 10 years

₹15,52,924

15.53 lakh

Total invested
₹5,00,000
Estimated returns
₹10,52,924

Returns are not guaranteed. Mutual fund returns go up and down; this shows what a steady return would give, for planning only.

How to use

  1. Enter the amount you will invest once.
  2. Enter the expected yearly return.
  3. Set the number of years you will stay invested.
  4. See the estimated value and open the year-by-year table.

More investment calculators

Lumpsum or SIP with the same money?

Say you have ₹6,00,000 to invest over 10 years, at an assumed 12% a year. Investing it all at once could grow to about ₹18,63,509. Investing ₹5,000 a month for 10 years (the same ₹6,00,000 in total) could grow to about ₹11,20,179.

The lumpsum grows more in this example because all the money is invested from day one. In real markets, a SIP spreads your buying over good and bad months, which lowers the risk of investing everything just before a fall.

Tips for planning

  • Use a conservative return for planning. Past returns do not guarantee future ones.
  • Stay invested for the long term. Compounding does most of its work in the later years.
  • Increase your SIP when your income grows, even by a small amount.
  • Review your investments once a year rather than reacting to daily market moves.

This calculator shows estimates based on a fixed return you choose. Mutual fund investments are subject to market risk, and actual returns will vary. It is not investment advice; consider speaking to a registered financial adviser for your situation.

Frequently asked questions

How is lumpsum value calculated?

It uses compound interest, compounded once a year: Future value = Amount × (1 + r)^years, where r is the yearly return as a decimal.

Lumpsum or SIP: which is better?

A lumpsum puts all your money to work at once, while a SIP spreads it over time, which smooths out market ups and downs. Many people use both. Switch between them in the calculator to compare.

Are these returns guaranteed?

No. Mutual fund returns change with the market and can be negative in some years. The calculator assumes a steady return so you can plan; real results will differ. It is not investment advice.

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