How this calculation works
This calculator uses: Future Value = P × (1 + r/100)ⁿ. Enter your values above to get an immediate result. Results are rounded for readability.
Using the lumpsum calculator
Start by entering values in the units shown. The result updates immediately, and the shareable link preserves your inputs without creating a separate indexable page. Use this as a clear estimate and check important assumptions before relying on it.
Common questions
What is a lumpsum investment?
A lumpsum investment means investing a large amount all at once, unlike SIP which spreads it monthly. It is ideal when you receive a bonus, inheritance, or when markets are at a significant low.
Is lumpsum or SIP better?
Both strategies have merit. SIP averages your purchase cost over time (rupee-cost averaging) and reduces timing risk. Lumpsum can give higher returns if markets are low at the time of investment. For regular salaried income, SIP is generally recommended.
What is a realistic lumpsum return for Indian mutual funds?
Diversified equity mutual funds in India have delivered 10-14% CAGR over 10+ year periods historically. Large-cap funds average 10-12%; mid/small-cap funds deliver 12-18% with higher volatility. Always consult with a SEBI-registered advisor.