Lumpsum Calculator
See how a one-time mutual fund investment grows, with inflation-adjusted value and CAGR — plus an optional SIP + lumpsum combined mode.
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Est. returns
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Total value
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In today’s money
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Value over time
Invested vs returns
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Year-by-year breakdown
How your investment compounds each year.
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How the lumpsum calculator works
A lumpsum investment is a single, one-time investment that then compounds over time. The future value is:
- Future value = P × (1 + r)t
where P is the amount you invest, r your expected annual return and t the number of years. Because the entire amount is invested from day one, a lumpsum gets the maximum time to compound — which is why the value curve above steepens in the later years.
Lumpsum + SIP: model both together
In real life many investors put in a one-time amount and also run a monthly SIP. The Lumpsum + SIP mode compounds your lumpsum and accumulates your monthly SIP, then shows the combined corpus and how much came from each. It is the quickest way to plan a lumpsum top-up on top of your regular investing.
CAGR and inflation-adjusted value
The calculator shows CAGR — the smooth annual growth rate — so you can compare this investment with others on an equal footing. It also shows the value in today’s money by discounting your corpus at the inflation rate, giving a realistic sense of future purchasing power. For long goals, always look at the inflation-adjusted number.
Lumpsum vs SIP
A lumpsum maximises compounding time but exposes you to the risk of investing right before a market dip. An SIP spreads investments out and averages your cost, reducing timing risk. Neither is universally better — use a lumpsum for money you have now and an SIP for ongoing savings, or combine both here. Check your bigger picture with the FIRE calculator.
Frequently asked questions
How is lumpsum return calculated?
A lumpsum (one-time) investment grows by compounding at your expected annual return. The future value is FV = P × (1 + r)^t, where P is the amount invested, r the expected annual return and t the number of years. For example, Rs 1,00,000 at 12% for 10 years grows to about Rs 3,10,585. This calculator does the compounding for you and also shows the value adjusted for inflation.
What is CAGR and how is it shown here?
CAGR (Compound Annual Growth Rate) is the smooth annual rate at which your investment grows over the period. For a pure lumpsum it equals your expected return. The calculator shows the CAGR so you can compare this investment with others on a like-for-like annualised basis.
What is the SIP + lumpsum combined mode?
Many investors put in a one-time lumpsum and also continue a monthly SIP. Switch to "Lumpsum + SIP" mode above to model both together: the calculator compounds the lumpsum and accumulates the monthly SIP, then shows the combined corpus and how much of it came from each. It is the easiest way to plan a lumpsum top-up alongside your regular SIP.
Should I invest a lumpsum or start an SIP?
A lumpsum works best when you have money to invest now and markets are reasonably valued, since it gets the maximum time to compound. An SIP spreads your investment over time and averages out market ups and downs (rupee-cost averaging), which reduces timing risk. Many investors do both — invest a lumpsum and continue an SIP — which you can model in the combined mode here.
Why adjust for inflation?
Inflation reduces what your money can buy over time, so Rs 10 lakh in 20 years will not buy what it does today. The "value in today’s money" figure discounts your future corpus by the inflation rate you enter, giving a realistic picture of its real purchasing power — essential for long-term goals like retirement or a child’s education.
Are lumpsum mutual fund returns guaranteed?
No. Mutual fund returns are market-linked and not guaranteed — the expected return you enter is only an assumption for planning. Actual returns vary year to year. Use a conservative rate (say 10–12% for equity over the long term) and review your plan periodically.