Lumpsum Calculator
One-time investment → future value (annual compounding).
Future value
₹15,52,924
Invested
₹5,00,000
Total gain
₹10,52,924
How it works
Formula: FV = P × (1 + r)ⁿ
Example: ₹5 lakh at 12% p.a. for 10 years → 5,00,000 × 1.12¹⁰ = ₹15.53 lakh (gain ≈ ₹10.53 lakh).
FAQs
What is a lumpsum investment?
A one-time deposit into a mutual fund, FD, or other asset — as opposed to SIP which invests monthly. Good when you have a windfall (bonus, inheritance, sale proceeds).
What formula does this use?
Future Value = P × (1 + r)ⁿ, where P = principal, r = annual rate, n = years. Compounded annually.
SIP or Lumpsum — which is better?
Lumpsum wins when markets are low and grinding up; SIP wins when markets are volatile (rupee-cost averaging). Data over 2000–2025 shows lumpsum beats SIP on expected return in ~60% of 10-year windows but with higher regret risk.
Is lumpsum taxed differently?
No — tax treatment depends on the asset (equity / debt fund / FD), not how you invested. Holding period starts from the lumpsum date.