About the Lumpsum Calculator
A lumpsum investment puts a single amount to work at once. The money grows by compounding: each year you earn returns on your original amount and on the returns already earned.
Enter the amount, expected yearly return and time period to see the final value and the growth year by year.
Formula used
A = P × (1 + r/100)^t, where P = amount invested, r = annual return rate, t = years.
Frequently asked questions
Is lumpsum better than SIP?
Neither is always better. A lumpsum works if you already have the money and can stay invested for years. A SIP suits regular income and spreads out market timing risk.
How long should I stay invested?
For equity funds, five years or more is the usual guideline, because short periods can be volatile.
Does the calculator include tax?
No. Taxes on gains depend on the asset type and how long you hold it, so check the current rules.