Finance · Investment
Lumpsum Calculator
See how a one-time investment can grow with compound annual returns — live as you move the sliders.
Your lumpsum plan
500 – 50 Lakh
1 – 50 years
Maturity value
—
Growth over time
Principal vs gains by year
How this calculator works
Got a bonus, maturity proceeds, or savings you want to park in one go? This lumpsum calculator compounds your principal at an assumed annual rate.
It models annual compounding: maturity = principal × (1 + rate/100)^years.
- Enter investment amount (₹500 – ₹50 Lakh).
- Enter expected annual return.
- Enter number of years (1–50).
- Read maturity and growth over time — results update live.
Formula
maturity = principal × (1 + annual_rate/100)^years
Examples
More about this calculator
Practical use cases
Comparing FD vs mutual fund lumpsum scenarios, or projecting EPF withdrawal reinvestment.
Common mistakes
Using a peak-year return as if it will repeat every year.
Tips
Pair this with the SIP calculator when deciding lumpsum vs staggered investing.
Important notes
Illustrative pre-tax corpus. Actual mutual fund / equity returns vary year to year.
FAQs
No. Capital gains tax depends on the product and holding period. Treat the result as pre-tax corpus.
Depends on cash flow and market timing comfort. SIPs reduce timing risk; lumpsum can win if markets rise steadily after you invest.
Yes. This tool uses annual compounding. For monthly compounding scenarios, try the Compound Interest calculator.