Investing
Lumpsum Calculator
Project a single lump sum investment forward at a chosen return, and see it in today's purchasing power after inflation.
Last updated 9 August 2026 · Free · No sign-up · Nothing you type leaves your browser
Your investment
Assumptions
Treated as an annual effective rate, the same basis mutual fund CAGR is quoted on.
Used to show what the final amount would be worth in today's money.
Value after 15 years
₹54.7 L
A one-time investment of ₹10 L at 12.0% a year becomes ₹54.7 L in 15 years — ₹44.7 L of that is growth, not money you put in.
You invested
₹10 L
Growth
₹44.7 L
Multiple
5.5×
Final value ÷ amount invested
In today's money
₹22.8 L
After 6.0% inflation for 15 years
Your money versus the market's contribution
Unlike a SIP, all of the dark navy band appears on day one — a lump sum starts compounding immediately, with nothing added later.
At 12.0%
₹54.7 L
Your entered assumption.
At 10.0% (two points lower)
₹41.8 L
₹13 L less, from a two-point change in one assumption over 15 years.
The simplest compounding calculation there is
A lumpsum projection is the cleanest way to see compounding at work, because there is only one moving transaction: money goes in once, and everything after that is the return doing its job. There is no monthly drip to track, no step-up to schedule — just a starting amount, a rate, and time.
That simplicity is also what makes the chart above worth studying. Every rupee of the dark navy band is present from year one. Compare it with our SIP calculator, where the same band builds up gradually — the difference in shape is the entire story of why the timing of an investment matters as much as the amount.
What the two-percentage-point comparison is for
A single projected number invites false precision. The panel comparing your assumption against a return two points lower exists to counter that: over quite ordinary horizons, a modest change in the return assumption moves the outcome by an amount most people would not guess from looking at the two percentage figures alone. That gap is the honest uncertainty in every long-term projection on this site, made visible rather than hidden behind one confident-looking number.
Where a lumpsum makes sense
A one-time investment is the natural tool for money you already have and do not need in the short term — a bonus, an inheritance, the proceeds of selling an asset. For money you are setting aside out of income as it arrives, a SIP is usually the more natural fit, and our SIP calculator models that instead. The two are not competing methods so much as answers to two different starting situations.
Frequently asked questions
How is a lumpsum investment different from a SIP?
A lumpsum is a single investment that starts compounding on day one. A SIP is a stream of monthly investments, each of which starts compounding from the date it goes in — so the earliest instalments have far longer to grow than the last ones. Over the same number of years, a lumpsum invested at the start will typically show a smoother, larger compounding effect on that specific capital, simply because none of it arrives late.
What return should I assume for a lumpsum investment?
The same caution applies as with any equity-linked projection: nobody knows the future return, and long-run averages are made up of years that were nothing like average. Run the number at a couple of different rates — the comparison panel on this page shows the result two percentage points lower than your main assumption, which is usually a more honest way to read a single projected figure.
Why does timing matter more for a lumpsum than a SIP?
Because the entire amount is exposed to whatever the market does immediately after you invest it. A SIP spreads that entry risk across many months and, implicitly, many market levels. A lumpsum invested right before a sharp fall takes the full impact at once. This is one of the more common arguments for staggering a large sum in, though staggering has its own trade-off — cash sitting on the sidelines earns little while it waits.
Does this account for tax on withdrawal?
No. This calculator projects the pre-tax value of the investment. Capital gains tax applies when you eventually redeem, and the rate depends on the type of asset, the holding period and the tax rules in force at that time.