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Lumpsum calculator

Pressure-test a one-time investment.

Project the possible future value of idle cash, bonuses, or large family investments across return and time assumptions.

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Lumpsum Investment Calculator

Results

Investment Amount:

₹1,00,000

Returns Generated:

₹0

Total Amount:

₹0

How the lumpsum calculation works

Future value = P × (1 + r)ᵗ, where P is the one-time investment, r the expected annual return, and t the duration in years. Returns compound annually here, so a 12% assumption grows money by 1.12× every completed year.

Worked example

Investing a ₹5,00,000 bonus into an equity fund, assuming 12% annualised returns for 10 years:

One-time investment₹5,00,000
Expected return12% p.a.
Duration10 years
Estimated returns₹10,52,924
Future value₹15,52,924

Frequently asked questions

Should I invest a lumpsum or start a SIP?
Research generally favours investing a lumpsum immediately if markets trend up over long horizons, since time in the market beats timing it. SIPs suit regular income and reduce regret risk. Many households split large sums — invest half, SIP the rest over 6–12 months.
What return should I assume for 10 years?
For diversified Indian equity, 10–12% annualised is a reasonable planning band; for debt or hybrid funds use 6–8%. Run two or three scenarios rather than anchoring on one.
Does the calculator account for taxes and exit loads?
No. Output is pre-tax. Equity LTCG above the annual exemption is taxed when you redeem, and some funds charge exit loads within the first year — factor those in separately.
Where does a lumpsum fit in family net worth tracking?
Once invested, a lumpsum becomes part of your portfolio like any holding. Tracking it alongside EPF, deposits and loans in one net worth view keeps its role honest as years pass.

Calculators answer questions. Your dashboard answers all of them.

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