Lumpsum Calculator

A lumpsum investment is a one-time amount you invest and leave to grow, as opposed to a SIP where you invest smaller amounts every month. It's the natural choice when you receive a windfall — a bonus, maturity proceeds from another investment, or an inheritance — that you want to put to work in one go rather than drip-feeding it in over time.

Enter the amount you're investing, the annual return you expect it to earn, and how many years you plan to stay invested. The calculator compounds the full amount at that rate for the entire period — since nothing is added later, this is more straightforward than a SIP projection, but it also means the result is more sensitive to the single return assumption you choose.

Maturity Value = Principal × (1 + annual return)years

This is valid for a single entry, single exit investment — if you're adding money periodically, use the SIP calculator instead, since a lumpsum formula would understate returns on later contributions.