Lumpsum Calculator
Enter your investment amount, expected return and duration — the projection updates as you drag.
Your investment
What counts as a lumpsum investment?
Any single, one-time investment rather than a series of instalments — putting a bonus, a maturity payout, or savings you've already built up into a mutual fund, stock, or fixed-income instrument in one transaction, then letting it compound.
Why time matters more here
Because the full amount is invested from day one, a lumpsum is more sensitive to your time horizon than a SIP of the same total size. Extending the duration by even a few years can meaningfully change the outcome — try adjusting the slider to see the effect on your own numbers.
Frequently asked questions
How is lumpsum return calculated?+
Your investment compounds at the expected annual return, applied monthly, for the full duration. Unlike a SIP, the entire amount starts growing from day one, which is why a lumpsum outpaces an equivalent SIP total when both run for the same period — the money simply has more time invested.
Lumpsum vs SIP — which is better?+
Neither is universally better; they suit different situations. A lumpsum makes sense when you already have the money — a bonus, an inheritance, a maturity payout — and are comfortable with the timing risk of investing it all at once. A SIP suits investing out of regular income and spreads your entry price over time. Many portfolios use both.
Can I add a lumpsum on top of an existing SIP?+
Yes — the SIP + Lumpsum calculator on this site models a starting corpus, an ongoing SIP and one-off lumpsum additions together in a single projection.
Should I invest a lumpsum all at once or stagger it?+
That's a personal risk decision this calculator doesn't make for you — it only shows the outcome for the return rate and duration you enter. Staggering a large lumpsum into the market over a few months (sometimes called a STP) is one common way investors manage the risk of a poorly timed single entry.