Lumpsum Calculator
Calculate the future value of a one-time lumpsum investment using compound interest. See growth multiple, total returns, and year-wise breakdown.
Investment Details
Result
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Estimated Future Value
💡 Formula
Compound Interest
- FV = P × (1 + r)ⁿ, where P = principal amount, r = annual rate of return, n = number of years.
- The power of compounding means your money earns returns on its own returns.
🎯 SIP vs Lumpsum
Which is better?
- Lumpsum works best when you have idle cash and markets are at reasonable levels
- SIP averages the purchase cost over time via rupee-cost averaging
- Over very long periods, lumpsum often edges ahead since the full amount compounds from day one
- Combining both strategies is usually ideal
📖 Tips
Maximize Returns
- Stay invested for 7+ years in equity for best results
- Reinvest dividends for higher compounding
- Consider tax-saving ELSS funds for 80C benefit
- Diversify across large-cap, mid-cap & debt
Frequently Asked Questions
When should I invest lumpsum?▾
Lumpsum is ideal when markets have corrected significantly, when you receive a bonus or inheritance, or for debt fund investments where timing matters less.
Is lumpsum riskier than SIP?▾
In volatile markets, yes — you're exposed to timing risk since the entire amount enters at one price point. However, over long periods (7+ years), lumpsum in equity often outperforms SIP.
What does "growth multiple" mean?▾
Growth multiple shows how many times your money has grown. A 3.1× multiple means ₹1 lakh became ₹3.1 lakh — your investment tripled.