Lumpsum Calculator
Calculate returns on your one-time investments. See how much wealth you can create by investing a lumpsum amount in mutual funds or other investment options.
Lumpsum Calculator Inputs
Calculate returns on one-time investments
$
Lumpsum Results
Your investment growth projection
Enter your lumpsum investment details to see projected returns
What is Lumpsum Investment?
A lumpsum investment is when you invest a significant amount of money in one go, as opposed to spreading it out through periodic investments like SIP. This approach is ideal when you have a large amount available from bonuses, inheritance, or savings.
Lumpsum vs SIP
Lumpsum Investment
- • Invest full amount at once
- • Better when markets are low
- • Higher risk, higher potential returns
- • Requires market timing
SIP Investment
- • Invest small amounts regularly
- • Rupee cost averaging benefit
- • Lower risk, disciplined investing
- • No need to time the market
When to Choose Lumpsum?
- Bull Market Start: When you expect markets to rise consistently
- Market Corrections: During significant market dips (10-20% down)
- Windfall Gains: Bonus, inheritance, or sale of assets
- Shorter Duration: When investment horizon is less than 3 years
- Debt Funds: Better suited for lumpsum due to lower volatility
Power of Compounding
A ₹10 lakh lumpsum investment at 12% annual return grows to:
- • After 5 years: ₹17.6 lakhs (76% gain)
- • After 10 years: ₹31.1 lakhs (211% gain)
- • After 15 years: ₹54.7 lakhs (447% gain)
- • After 20 years: ₹96.5 lakhs (865% gain)