Lumpsum Calculator
A lumpsum investment is a one-time amount invested and left to compound, unlike a SIP's monthly instalments. This calculator projects its maturity value using standard compound growth.
Show solution steps
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Formula
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.
Worked Examples
Example 1 u2014 10-year lumpsum
₹1,00,000 at 12% for 10 years ≈ ₹3,10,585 — more than triples.
Example 2 u2014 The power of time
The same ₹1,00,000 at 12% left for 20 years grows to about ₹9,64,600 — nearly 10x, versus 3x over 10 years.
Definitions
- Lumpsum Amount
- The one-time amount you invest today.
- Expected Annual Return
- Your assumption for the yearly return. Market-linked and not guaranteed.
- Investment Duration
- The number of years the amount stays invested and compounding.
- Maturity Value
- The projected value at the end of the duration.
How to Use
- Enter the one-time amount you plan to invest.
- Enter the annual return you expect the investment to deliver.
- Enter how many years you plan to stay invested.
- Read the maturity value and wealth gained instantly.
Frequently Asked Questions
How is this different from a SIP calculator?
A lumpsum calculator assumes one investment made today that compounds untouched. A SIP calculator instead handles many smaller monthly investments made at different times, each compounding for a different duration.
What return should I assume?
This depends on the asset class u2014 equity mutual funds, debt funds, and hybrid funds have very different long-term return profiles. Treat any figure you enter as an assumption for planning, not a guarantee.
Does this account for taxes on redemption?
No u2014 the maturity value shown is pre-tax. Capital gains tax (LTCG or STCG depending on holding period and asset type) will reduce your actual take-home amount on withdrawal.
Can I model a lumpsum plus additional yearly top-ups?
Not with this calculator u2014 it assumes a single investment. Modelling top-ups requires tracking each contribution's own compounding period separately.
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