Lumpsum Calculator
See what a one-time lumpsum investment grows to — maturity value, amount invested and the returns compounding earns over your holding period.
How it works
FV = P × (1 + r)^n, where P = principal, r = annual return (as a decimal), n = years
A lumpsum invests the whole amount once and lets it compound undisturbed for the full term. Because every rupee is working from day one, a lumpsum captures the most compounding when markets rise — but it also carries full timing risk if you invest right before a fall. The longer the horizon, the larger the share of the maturity value that comes from growth rather than the original deposit.
Worked example
A one-time ₹1,00,000 invested for 10 years at a 12% return grows to about ₹3.11 lakh. The original ₹1,00,000 stays put while roughly ₹2.11 lakh of the total is compounded growth on that single deposit.
Frequently asked questions
Lumpsum or SIP — which is better?
In a steadily rising market a lumpsum usually ends higher because the full amount compounds for longer. A SIP spreads your entry across many prices, which lowers the risk of investing everything at a market peak. Many investors use a lumpsum for money they already have and a SIP for regular income.
Is the maturity value taxed?
The growth is taxable when you redeem. Equity mutual funds and stocks attract capital-gains tax that depends on your holding period and the rules in force; this calculator shows the pre-tax value only.
What return should I use?
Match it to the asset. Equity funds have historically returned around 10–12% over long periods with big swings, while debt funds return far less. Use a conservative, realistic figure rather than a peak year.
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Educational estimate only, not investment advice. Mutual-fund and market-linked returns are not guaranteed and past performance does not predict the future. Verify current fund details and consult a SEBI-registered adviser.