Lumpsum Calculator
Calculate one-time lumpsum investment returns with year-by-year growth, fund comparison (Equity vs FD vs Debt), and optional combined Lumpsum + SIP mode.
Lumpsum Calculator
Maturity Value
₹15,52,924
Total Invested
₹5.00 L
Est. Returns
₹10.53 L
Compare: ₹5.00 L invested for 10 years
Equity (12%)
₹15.53 L
+₹10.53 L
Debt Fund (7%)
₹9.84 L
+₹4.84 L
FD (6.5%)
₹9.39 L
+₹4.39 L
Savings (3.5%)
₹7.05 L
+₹2.05 L
Year-by-Year Growth
| Year | Portfolio Value | Total Returns |
|---|---|---|
| 1 | ₹5,60,000 | ₹60,000 |
| 2 | ₹6,27,200 | ₹1,27,200 |
| 3 | ₹7,02,464 | ₹2,02,464 |
| 4 | ₹7,86,760 | ₹2,86,760 |
| 5 | ₹8,81,171 | ₹3,81,171 |
| 6 | ₹9,86,911 | ₹4,86,911 |
| 7 | ₹11,05,341 | ₹6,05,341 |
| 8 | ₹12,37,982 | ₹7,37,982 |
| 9 | ₹13,86,539 | ₹8,86,539 |
| 10 | ₹15,52,924 | ₹10,52,924 |
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What is a Lumpsum Investment?
A lumpsum investment is a one-time investment of a large amount in mutual funds or other financial instruments. Unlike SIP, the entire amount is invested at once and grows through the power of compounding.
Lumpsum investments are ideal when you receive a bonus, inheritance, or have surplus funds that you want to grow over time.
Lumpsum vs SIP
- Lumpsum works better in a rising market (more money invested early)
- SIP provides rupee cost averaging in volatile markets
- Combining both (Lumpsum + SIP) gives the best of both worlds
- Lumpsum requires higher initial capital
- SIP is more suitable for regular income earners
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