India · Finance
Lump Sum Calculator
Estimate the future value of a one-time investment using an annual return assumption and holding period.
Interactive calculator
Estimate lump sum growth
Model how a one-time investment could grow over time using your own return assumption and holding period.
Results
Future value
₹15,52,924
Estimated gains
₹10,52,924
How to use it
- 01Enter the one-time amount you plan to invest.
- 02Set your expected annual return assumption.
- 03Choose the holding period to estimate future value and gains.
Result guide
- Future value shows the projected corpus if the return assumption holds.
- Estimated gains isolate the growth component above the original principal.
- Longer horizons amplify compounding even when yearly returns remain constant.
About this calculator
A lump sum calculator is the cleanest way to project how a one-time investment could grow without the extra complexity of recurring contributions.
It is especially useful alongside SIP planning because investors often compare a lump sum deployment with a staggered monthly strategy.
Frequently asked questions
Is a lump sum better than SIP?
Neither is automatically better. A lump sum gives full time-in-market immediately, while SIP spreads entry over time.
Why can small return differences matter so much over time?
Compounding magnifies even modest changes in annual return when the holding period is long.
Can this be used for equity and debt products?
Yes. The calculator is generic; the quality of the output depends on how realistic the chosen return assumption is.
Method and limitations
This calculator uses the formula and assumptions described on this page. We do not claim independent professional review. Direct references will be listed here when they support a specific rule or data source used by this calculator.
Results are estimates for general information. Verify current rules and assumptions before making financial, tax, or health decisions.
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