Lump Sum Calculator

Calculate the future value of a one-time investment in mutual funds or any instrument with an expected annual return.

What is the Lump Sum Calculator?

A lump sum investment puts a single amount to work at once, instead of spreading it over months as in a SIP.

How does it work?

The investment compounds annually at the expected rate of return.

Formula

FV = P × (1 + r)^t

Example

₹1,00,000 invested for 10 years at 12% grows to ₹3,10,585.

Frequently asked questions

Lump sum or SIP — which is better?

Lump sums benefit most when markets rise steadily after investing; SIPs reduce timing risk. For large amounts in equity, an STP can spread entry over months.

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