Lumpsum Calculator
See what a one-time investment grows to. Adjust the amount, return and horizon.
The one-time amount you invest today
Equity ~12%, Hybrid ~9%, Debt ~7%
The longer, the more compounding works
Invested
₹5.00 L
₹5,00,000
Wealth gained
₹10.53 L
₹10,52,924
Future value
₹15.53 L
₹15,52,924
Growth over time
Invested vs returns
₹5,00,000
₹10,52,924
How this is calculated
Formula: Maturity = P × (1 + r)n, where P is the amount invested, r the annual return and n the number of years. The full amount compounds from day one.
Returns shown are indicative. Use ~10–12% for diversified equity, 8–9% for hybrid and 6–7% for debt funds.
Past performance is not indicative of future returns. Mutual fund investments are subject to market risks.
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Frequently asked questions
How is lumpsum maturity calculated?
A lumpsum compounds annually: Maturity = P × (1 + r)^n, where P is the amount invested, r the annual return and n the number of years. All of it is invested on day one, so it compounds for the full period.
Is a lumpsum riskier than a SIP?
A lumpsum exposes the entire amount to the market from day one, so its outcome depends more on your entry point. A SIP spreads entry across months (rupee-cost averaging). For a windfall with a long horizon, many investors deploy gradually via an STP to reduce timing risk.
What return should I assume?
Use ~10–12% for diversified equity funds over long horizons, ~8–9% for hybrid and ~6–7% for debt. These are indicative; actual returns vary with the fund and market cycle and are not guaranteed.
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