Lumpsum Investment Calculator

Estimate your returns instantly. Save or share your results with ease.

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₹10K ₹10Cr
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Total Value
₹31.04 L
Invested amount
Est. returns
Invested amount ₹10.00 L
Est. returns ₹21.04 L
Total value ₹31.04 L
Growth Percentage 210.4%
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About the Lump Sump Calculator

This Lumpsum Calculator is the perfect tool for analyzing the growth of your one-time investment. Unlike a Systematic Investment Plan (SIP), a lumpsum investment involves putting a significant amount of money into a mutual fund or other asset class all at once. Our calculator helps you project the potential future value of this investment. With two powerful modes, you can either see how a specific amount will grow over time or determine the exact lump sum you need to invest today to reach a future financial target.

How to Use This Calculator

Our Lumpsum Calculator is easy to use, with two modes to fit your investment strategy.

Mode 1: Lumpsum Investment (to calculate your corpus)

This mode is for when you know how much you want to invest and want to find out its potential future value.

After entering these details, the calculator will show you the estimated final corpus you can build.

Mode 2: Target Amount (to calculate your lumpsum investment)

This mode is for when you have a specific financial goal in mind and want to calculate how much you need to invest today to reach it.

The calculator will then tell you the exact lump sum amount you need to invest today to achieve your goal.

Formulas Used in the Calculator

Our calculator uses a standard compound interest formula to provide accurate projections.

For Investment Amount Mode:

The final corpus (A) is calculated using the compound interest formula:

Main formula:

$$\mathbf{A} = \mathbf{P} \times (1 + r)^{t}$$

Where:

For Target Amount Mode:

The required lumpsum amount (\(\mathbf{P}\)) is calculated by rearranging the compound interest formula:

$$\mathbf{P} = \frac{\mathbf{A}}{(1 + r)^{t}}$$

Where the target amount (\(\mathbf{A}\)) is also adjusted for inflation, if that option is used:

$$\text{Inflation-adjusted Target Amount} = \text{Target Amount} \times (1 + \text{inflation rate})^{\text{time period}}$$

Case 1: Investment Amount
Preeti, a young professional, receives a ₹10 lakh bonus and decides to invest it for her retirement. She chooses to invest this lumpsum for 20 years and expects an average annual return of 12%.

Investment Amount: ₹10,00,000
Expected Rate of Return: 12%
Time Period: 20 years

According to our calculator, her one-time investment of ₹10 lakhs would grow to an estimated ₹96.46 Lakhs after 20 years. This case highlights the incredible power of compounding over the long term.

Case 2: Target Amount
Newly-wed couple Amit and Sonia plan to buy a house in 10 years and want to save for the downpayment. They estimate the downpayment amount on a house of their choice will be ₹50 lakhs today. They anticipate an average annual return of 12% and account for an annual inflation rate of 5%.

Target Amount: ₹50,00,000
Expected Rate of Return: 12%
Time Period: 10 years
Impact of Inflation: 5%

First, the calculator adjusts the target amount for inflation. The future value of ₹50 lakhs after 10 years at a 5% inflation rate would be approximately ₹81.44 Lakhs.
To reach this inflation-adjusted goal, Amit would need to invest a lumpsum of ₹26.22 lakhs today. This calculation helps him set a precise and realistic investment target.

Top 10 Commonly Asked Questions

A lumpsum investment is a single, one-time investment of a substantial amount of money. It is different from a Systematic Investment Plan (SIP) which involves investing small, fixed amounts at regular intervals.
The minimum lumpsum investment amount varies across different mutual funds and other investment products. While there's no general rule, it's typically higher than the minimum for a SIP, often starting from ₹5,000.
Many investors believe the best time for a lumpsum investment is during a market downturn, when asset prices are low. This strategy is known as "buying the dip." However, since it's difficult to time the market perfectly, investing a lumpsum with a long-term perspective is often a sound strategy.
A SIP calculator calculates the growth of a series of regular, smaller investments over time. This lumpsum calculator, on the other hand, calculates the growth of a single, one-time investment. The SIP calculator is for disciplined, gradual wealth building, while the lumpsum calculator is for investing a large amount you have all at once.
This feature adjusts your future financial target to account for inflation, which erodes the purchasing power of money over time. By factoring this in, you can determine a more realistic lumpsum amount to invest today to achieve your goal, ensuring your money will have the same value in the future.
Both strategies have benefits. A lumpsum investment can lead to higher returns if you invest when the market is low. A SIP helps you benefit from rupee-cost averaging, mitigating risk in a volatile market. The best strategy depends on your financial situation and market view. If you have a large amount of money available, a lumpsum is a suitable option. If you have a steady income, a SIP is more practical.
No. The calculated values are estimates based on your inputs for the expected rate of return. Mutual fund and other market-linked investments are subject to market risks, and actual returns may vary. This calculator is a powerful planning tool and should not be considered a guarantee of returns.
Yes, you can redeem your investment at any time. However, many funds have an "exit load" if you withdraw within a certain period (e.g., one year). It's always best to check the specific terms of the fund before investing a lumpsum.
There is no limit to the number of lumpsum investments that you can make in a year. you can even make a lump sum investment every month or multiple times in a month.
The returns for SIP and lumpsum investments cannot be the same. While lumpsum investment generates higher returns in the bullish phase due to immediate market exposure, SIPs mitigate risk through the rupee-cost averaging feature and can perform better during market volatility. The returns also depend on market performance and timing.

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