Lumpsum Calculator
One-time investment growth at a glance.
Invested
₹1 L
Est. gains
₹2.11 L
Maturity value
₹3.11 L
- Invested₹1 L
- Gains₹2.11 L
Assumes a steady annual return. Market investments will vary year to year.
How it works
A lump sum grows by compounding: every year's gains join the principal and earn next year's gains. Value = principal × (1 + rate)^years.
Example
₹1 lakh invested once at 12% for 10 years grows to about ₹3.1 lakh — compounding more than triples your money.
FAQs
Lumpsum or SIP — which is better?
Lumpsum wins if markets rise steadily after you invest; SIP wins by averaging out ups and downs. For most salaried investors, SIP suits monthly income.
Should I time the market?
Even experts fail at timing consistently. Time in the market beats timing the market — invest early and stay invested.
Where can I invest a lump sum?
Equity mutual funds for 5+ year goals, FDs or debt funds for short-term safety. Match the product to your time horizon.
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