About the Lumpsum Calculator
A lumpsum investment is money you invest once rather than monthly. This calculator projects how it could grow over time at an expected annual return.
How to use the Lumpsum Calculator
- Enter the amount you will invest once.
- Set the expected annual return.
- Choose the time period.
- See the estimated value and gains year by year.
Formula used
Future value = P × (1 + r)^t, where P = amount invested, r = annual return (decimal) and t = years.
Frequently asked questions
Lumpsum or SIP – which is better?
Lumpsum can grow more if markets rise steadily, while SIP spreads your entry over time and reduces timing risk.
Are returns guaranteed?
No. Market-linked returns vary; this is an illustration only.
Does it include tax?
No. Capital gains tax and fund expenses are not included.
Last reviewed: November 7, 2026