Lumpsum Calculator
Estimate how a one-time mutual fund investment could grow over time. Enter an amount, an assumed annual return, and a time period — this is an illustration based on your own assumptions, not a forecast or a promise.
Your lumpsum
Adjust the amounts below to see how the estimate changes.
In rupees, invested once.
Not a guarantee — pick a neutral illustrative band or enter your own assumption.
Your estimate
Based on a one-time investment of ₹1,00,000 at an assumed 12% annual return, compounded yearly over 10 years. This is an illustration of your own assumptions, not a forecast.
On a one-time investment of ₹1,00,000, compounding at an assumed 12% annual return over 10 years — the illustration shows a future value of ₹3,10,585, of which an estimated ₹2,10,585 is gain. This is a mathematical illustration, not a promise.
Try changing the return assumption or period to see how the illustration changes — the SIP Calculator can show the same idea for monthly instalments instead of a one-time amount.
Learn about this calculator
Estimates how a one-time mutual fund investment could grow over time, at an assumed annual return.
Unlike a SIP, a lumpsum investment puts the whole amount in on day one, so the entire sum starts compounding immediately. This calculator projects that single amount forward using annual compounding at whichever return you choose to assume.
How it works
The initial amount grows once a year at the entered annual return, compounding for the number of years you choose. No additional contributions are modelled after the initial investment.
What each input means
- Initial investment amount
- The one-time rupee amount invested.
- Expected annual return
- An assumption you choose for illustration — not promised, and not guaranteed.
- Investment period (years)
- How many years the amount is assumed to stay invested.
What the results mean
- Amount invested
- The original one-time amount (unchanged, since there are no further contributions).
- Estimated gain
- The difference between the future value and the amount invested.
- Estimated future value
- What the initial amount is projected to grow to, at the return assumed.
Assumptions
- The annual return applies evenly, compounding once a year, for the whole period.
- No further money is added or withdrawn during the period.
Limitations
- Real mutual fund returns are market-linked, vary year to year, and can be negative in a falling market.
- This calculator does not model taxes, exit loads, or the timing of the initial investment relative to market levels.
Common mistakes
- Assuming a lumpsum is always "better" or "worse" than a SIP — it depends on your own cash flow and, for a lumpsum, when you invest relative to market levels, which this tool doesn't model.
- Treating the assumed annual return as annual, evenly-compounding fact rather than one illustrative assumption.
Example
For example, ₹1,00,000 invested once, at an assumed 12% annual return, over 10 years, illustrates a future value in the neighbourhood of ₹3.1 lakh — about ₹2.1 lakh of which is illustrated gain.
FAQ
Is the return rate used here guaranteed?
No. The annual return you enter or select is an assumption you choose for illustration — mutual fund returns are market-linked and not guaranteed. This tool does not predict, promise, or recommend any specific return.
What return rate should I use?
There isn't a single correct figure — actual mutual fund returns vary by scheme, market conditions, and time period, and can be negative in a given year. The quick-select values here are neutral illustrative bands, not a forecast for any specific fund.
Is a lumpsum investment better than a SIP?
Neither is universally better — it depends on your cash flow and, for lumpsum investing, market timing. This calculator only illustrates growth of a one-time amount.
Does this assume annual or monthly compounding?
Annual compounding — a simpler assumption than the monthly compounding used on the SIP calculators here.
See the SIP Calculator to compare against investing the same total amount as monthly instalments instead.
For illustration only. Not investment advice. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Returns assumed are hypothetical and not guaranteed.