Lumpsum Calculator
Calculate the future value of a one-time investment with annual compounding.
What is a Lumpsum Calculator
A Lumpsum Calculator estimates the future value of a single one-time investment over a chosen period, assuming a fixed annual rate of return with compounding.
Lumpsum Formula
Future Value = Principal × (1 + Return Rate)^Years
Return Rate = expected annual return (decimal)
Years = investment duration
Lumpsum Calculation Example
Estimate growth of a one-time deposit
Plan around bonuses or windfalls
Compare against SIP outcomes
Visualise year-wise compounding
Full amount works from day one
Maximises compounding over long horizons
Simple, one-time decision
Ideal when markets are favourable
A lumpsum invested before a market downturn can underperform. Returns are market-linked and not guaranteed, so actual results may differ from the estimate.
Frequently Asked Questions
A lumpsum investment is a single, one-time deposit into an investment, as opposed to investing smaller amounts regularly like a SIP.
Future value = Principal × (1 + return rate)^years, applying annual compounding to the one-time amount.
It depends on market conditions and cash availability. Lumpsum can outperform in rising markets, while SIP averages out volatility.
No. Market-linked returns vary. The expected return is an assumption used only for estimation.