Lumpsum Calculator
The Lumpsum Calculator projects the future value of a single one-time investment growing at an expected annual return over a chosen number of years.
One deposit, compounded
Unlike a SIP, a lumpsum invests everything at once. Its growth follows the compound formula FV = P(1 + r)t. Because the whole amount is invested from day one, a lumpsum can outperform a staggered SIP when markets rise steadily - but it also carries more timing risk if you invest just before a downturn.
Lumpsum or SIP?
A lumpsum suits money you already have and a long horizon; a SIP suits investing gradually from income and smooths out market ups and downs. Many investors use both. Adjust the rate and tenure here to see how sensitive the final corpus is to each.
Frequently Asked Questions
How is a lumpsum different from a SIP?
A lumpsum invests one amount at once, while a SIP invests a fixed sum every month. Lumpsum has more market-timing risk; SIP spreads it out.
What return rate should I use?
Use a realistic long-term estimate for your asset class and treat the result as a projection, since actual returns vary with the market.
Is a lumpsum better than a SIP?
Neither is universally better. Lumpsum can win in steadily rising markets; SIP reduces timing risk. Many investors combine both.
Does it account for inflation?
It projects nominal growth. To see purchasing power in today's money, compare the result using the Inflation Calculator.
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