Free Tool
Lumpsum Calculator for
One-Time Investments
Calculate the future value of a one-time investment using compound interest. Plan your mutual fund lumpsum, fixed deposit, or any long-term investment with expected returns.
₹ 1,00,000
₹1,000₹1 Cr
12%
1%30%
10 Yrs
1 Yr40 Yrs
Principal vs Returns
Principal
Returns
Principal Amount
₹0
Estimated Returns
₹0
Maturity Value
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Comparison
SIP vs Lumpsum — Which One Should You Pick?
Choose SIP When
- You invest from monthly salary
- Markets look volatile or overvalued
- You want to avoid market timing
- You are starting your investment journey
Choose Lumpsum When
- You received a bonus, inheritance, or FD maturity
- Markets have corrected sharply
- You have a long-term horizon (10+ years)
- You want maximum compounding benefit
Lumpsum Growth at 12% Annual Return
Maturity value of common one-time investment amounts over long horizons.
| Principal | 5 Years | 10 Years | 20 Years |
|---|---|---|---|
| ₹50,000 | ₹88,117 | ₹155,292 | ₹482,315 |
| ₹100,000 | ₹176,234 | ₹310,585 | ₹964,629 |
| ₹500,000 | ₹881,171 | ₹1,552,924 | ₹4,823,147 |
| ₹1,000,000 | ₹1,762,342 | ₹3,105,848 | ₹9,646,293 |
Frequently Asked Questions
What is a lumpsum investment?
A lumpsum is a one-time investment of a sizable amount instead of investing in monthly instalments. It is typically used when you receive a bonus, sale proceeds, or FD maturity and want to deploy capital in mutual funds, stocks, or fixed-income products.
Which gives better returns — SIP or lumpsum?
Mathematically, lumpsum wins when markets move up steadily because the entire corpus compounds from day one. SIP wins when markets are volatile or declining because you buy more units at lower prices. For most retail investors, SIP is preferred because it removes emotion and timing risk.
How does compound interest work in a lumpsum?
Each year's returns are added to your principal, and next year's returns are calculated on the larger base. Over 20-30 years, compounding can turn ₹1 lakh into ₹10+ lakh at 12% annual returns — the second half of the horizon typically generates more wealth than the first half.
Should I invest my entire savings as lumpsum?
Generally no. Keep 6-12 months of expenses in an emergency fund. For the investable surplus, consider a staggered lumpsum (STP) over 3-6 months if the amount is large, especially in volatile markets. Always diversify across asset classes.
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