Investment
Lump Sum Calculator
Calculate returns on one-time mutual fund investments
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Invested Amount—
Wealth Gained—
Maturity Value—
Invested
Gains
Example Calculations
Quick reference scenarios to validate your planning
| Scenario | Result |
|---|---|
| ₹1 lakh at 10% for 10 years | ₹2.59 lakh |
| ₹5 lakh at 12% for 15 years | ₹27.37 lakh |
| ₹10 lakh at 15% for 20 years | ₹1.64 crore |
How It Works
Formula, methodology and key concepts explained
A lump sum investment means investing your entire amount at once. Unlike SIP, all your money starts compounding from day one, which can be very powerful over long horizons.
The key formula is: A = P(1+r)^n where A is the maturity amount, P is principal, r is annual return, and n is number of years.
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Frequently Asked Questions
Common questions about Lump Sum Calculator
- Lump sum works better when markets are at a low (you get more units). SIP is better in uncertain or rising markets as it averages your cost. For most retail investors, SIP is safer.
- Maturity Value = P × (1 + r)^n, where P is principal, r is annual rate, and n is years. This is simple compound interest.
- Yes! ₹1 lakh at 12% for 30 years = ₹1,00,000 × (1.12)^30 = ₹29.96 lakh. The power of compounding over long durations is extraordinary.
Key Numbers to Know
Benchmark figures for Investment planning in India
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Disclaimer: All calculations are estimates for planning purposes only. Results are based on the inputs you provide and assume constant rates. Actual returns may vary due to market conditions, inflation, tax law changes, and other factors. This is not financial advice. Consult a SEBI-registered investment advisor for personalised guidance. GST rates and income tax slabs are as per latest available information (FY 2025-26) and may change.
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