Lump Sum Investment Calculator
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Future Value
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Invested Amount
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Estimated Returns
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Estimated value based on the return rate entered. Actual returns may vary and are not guaranteed.
A lump sum calculator shows what a single, one-time investment could be worth after a chosen number of years, assuming it compounds annually at a set rate of return.
This is the right tool when you already have the full amount ready to invest — a bonus, an inheritance, or maturity proceeds from another investment — rather than investing it gradually.
How This Calculator Works
The calculator uses standard compound interest: FV = P × (1 + r)t, where P is your principal, r is the annual rate of return, and t is the number of years.
Frequently Asked Questions
Is lump sum investing riskier than SIP?
It can be, because your entire amount enters the market at once, exposing it fully to whatever the market is doing on that day. SIP spreads that timing risk across many months.
What's a realistic return rate to assume?
This depends heavily on the asset class. Equity has historically offered higher long-term returns than debt, but with more volatility year to year. Match your assumption to where you actually plan to invest.
Should I invest a lump sum or spread it as a SIP?
There's no universal answer — it depends on your risk tolerance and market conditions. Some investors split the difference using a Systematic Transfer Plan (STP).