Lumpsum Investment Calculator
A lumpsum investment grows as FV = P × (1 + r)^n. ₹1 lakh compounding at 12% a year for 10 years becomes about ₹3.11 lakh — a 3.1× multiple.
How to use the Lumpsum Calculator
- Enter the amount you invest once.
- Enter the expected annual return.
- Enter the holding period in years.
- Compare the result with a SIP of the same total using the SIP calculator.
Examples
₹1 lakh at 12% for 10 years
Input: P=1,00,000, r=12%, 10 yrs
Result: ≈ ₹3,10,585 (gain ₹2,10,585)
Frequently asked questions
Lumpsum or SIP — which is better?
With a constant return, a lumpsum invested earlier always ends higher because all the money compounds for longer. In real markets a SIP spreads entry risk across prices; the better choice depends on when you have the money and your risk tolerance.
Are lumpsum returns guaranteed?
No. Mutual fund returns are market-linked; use conservative assumptions.
Learn more
Estimates, not tax or legal advice. Results come from the published rules for the cases this calculator covers; your own circumstances can change them.
Last checked 2026-10-30 by the TakeHomeWorld editors · How we calculate and check rates · Runs entirely in your browser; nothing you type is stored.