What is Lump Sum Investment Calculator?
Calculate future value of a one-time lump sum investment with compound interest growth over time Simply enter your values, and the calculator instantly computes accurate results using standard financial formulas. All calculations are performed entirely in your browser — nothing is stored or transmitted.
Formula Used
M = Maturity amount | P = Principal investment | r = Annual return rate | n = Investment period in years
How to Use This Calculator
- Enter your one-time investment amount
- Enter the expected annual return rate
- Select the investment period in years
- Click Calculate to see future value
- Compare with SIP for the same goal
Worked Example
Investment: ₹5,00,000 | Rate: 12% | Period: 10 years → Maturity: ₹15,52,924 | Gain: ₹10,52,924 (210% returns)
Why Use This Tool?
- See how a one-time investment grows over time
- Compare lumpsum vs SIP approach
- Understand power of long-term compounding
- Free and instant calculation
Frequently Asked Questions
What is a lump sum investment?
A lump sum investment is a one-time, large investment made at once (as opposed to SIP which is monthly). It is suitable when you have a large amount available, like a bonus, inheritance, or maturity proceeds.
Is lump sum better than SIP?
Lump sum is better when markets are at low valuations. SIP is better in volatile or rising markets as it averages the purchase cost. For most investors, SIP is safer due to rupee cost averaging.
What return can I expect on lump sum investment?
Equity mutual funds have historically given 10–15% CAGR over 10+ year periods. Debt funds give 6–8%. Always consider your risk profile and investment horizon.
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