Free Online Lumpsum Calculator
Enter a one-time investment amount, the annual return you want to plan with, and how many years you will stay invested. You get estimated maturity value, returns, and year-by-year growth—useful for comparing with SIP.
| Maturity value | ₹3,30,039 |
| Amount invested | ₹1,00,000 |
| Estimated returns | ₹2,30,039 |
| Return multiple | 3.30× |
Year-wise growth
| Year | Invested | Est. value | Est. returns |
|---|---|---|---|
| 1 | ₹1,00,000 | ₹1,12,683 | ₹12,683 |
| 2 | ₹1,00,000 | ₹1,26,973 | ₹26,973 |
| 3 | ₹1,00,000 | ₹1,43,077 | ₹43,077 |
| 4 | ₹1,00,000 | ₹1,61,223 | ₹61,223 |
| 5 | ₹1,00,000 | ₹1,81,670 | ₹81,670 |
| 6 | ₹1,00,000 | ₹2,04,710 | ₹1,04,710 |
| 7 | ₹1,00,000 | ₹2,30,672 | ₹1,30,672 |
| 8 | ₹1,00,000 | ₹2,59,927 | ₹1,59,927 |
| 9 | ₹1,00,000 | ₹2,92,893 | ₹1,92,893 |
| 10 | ₹1,00,000 | ₹3,30,039 | ₹2,30,039 |
Related: SIP calculator · SWP calculator · SIP vs lumpsum guide
How lumpsum returns are estimated
A lumpsum investment means you put a single amount into a mutual fund (or similar) at once, instead of paying every month like a SIP. Returns are not guaranteed—we apply a fixed annual rate with monthly compounding to show what steady growth could look like.
Maturity = P × (1 + r)n, where P is your lumpsum, r is the monthly rate (annual ÷ 12 ÷ 100), and n is the number of months.
Planning monthly installments instead? Use the SIP calculator. For regular withdrawals from a corpus, try the SWP calculator. Read SIP vs lumpsum when you are unsure which fits your situation.
How to use this calculator
- Enter your one-time investment in rupees (e.g. ₹1,00,000).
- Set expected annual return (e.g. 12 for 12%)—use a conservative rate for planning.
- Choose how many years you expect to stay invested.
- Read maturity value, total invested (same as lumpsum), and estimated returns.
- Use the year-wise table to see how value could build over time.
Worked examples
Sample numbers you can try in the calculator above. Your lender's quote may differ slightly.
₹1 lakh for 10 years at 12%
One payment upfront. Compounding works on the full balance each month.
₹1,00,000 lumpsum · 12% p.a. · 10 years
Maturity: Maturity ≈ ₹3.1 lakh
₹5 lakh for 15 years at 10%
Larger starting amount and long tenure amplify compounding versus short horizons.
₹5,00,000 lumpsum · 10% p.a. · 15 years
Maturity: Maturity ≈ ₹20.9 lakh
₹50,000 for 5 years at 8%
A lower assumed rate gives a safer planning figure than peak equity returns.
₹50,000 lumpsum · 8% p.a. · 5 years
Maturity: Maturity ≈ ₹74,000
₹10 lakh for 20 years at 11%
Long hold periods matter for one-time investments—timing the entry day still affects real NAV.
₹10,00,000 lumpsum · 11% p.a. · 20 years
Maturity: Maturity ≈ ₹81 lakh
Frequently asked questions about the lumpsum calculator
What is a lumpsum investment in mutual funds?
Lumpsum means investing a single amount at once. Units are bought at that day's NAV. It is the opposite of SIP, where you invest the same amount every month.
How is lumpsum maturity calculated?
We compound your initial amount monthly: balance grows at annual rate ÷ 12 each month for the full tenure. Maturity is the balance after the last month.
Is lumpsum better than SIP?
Lumpsum can do well if markets rise after you invest; SIP spreads purchases and reduces timing risk. Many investors use both. Compare scenarios with our SIP calculator and the guide SIP vs lumpsum.
What return rate should I use?
Use a rate you are comfortable planning with—often 10–12% for long equity horizons in India, lower for debt. Past performance does not guarantee future returns.
Does this include tax or exit load?
No. It shows gross estimated value before tax, charges, or exit load. Check your fund factsheet for details.
Is this lumpsum calculator free?
Yes. It runs in your browser with no signup.