Lumpsum Calculator
Invested a windfall in one go? See how it could grow — and how much of the final value is pure compounding.
Assumes the return rate you choose, compounded annually. Returns are an assumption, not a promise — markets vary. This is an illustration, not advice.
How a lumpsum calculator works
It applies the compound interest formula to a single one-time investment: your amount grows each year at the return rate you assume, and earlier years quietly do less work than the powerful final ones. That snowball effect is the whole point of investing early.
Lumpsum or SIP?
A lumpsum puts all your money to work immediately, while a SIP drips it in monthly to spread out timing risk. Neither is universally better — we compare them in our guide on SIP vs lumpsum. To model the monthly route instead, try the SIP calculator.
Disclaimer: An illustration using assumptions you choose. It does not predict actual returns or constitute financial advice.
Related reads
- SIP vs Lumpsum: When to Drip It In, and When to Pour It AllSame fund, same goal, two very different ways to invest your money. Here's how to know which one fits your situation — without a finance degree.
- What Is a Mutual Fund? Think of It as a Thali, Not a Single DishWhy putting all your money in one 'hot stock' is like ordering only paneer — and what a balanced plate has to do with your savings.
- The ₹1 Crore Goal: How Much SIP, and How Many Years?₹1 crore sounds impossibly far away — until you see the maths. Here's exactly how much you'd invest each month, and for how long, to actually get there.
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